Mr. Neil McDonnell:

I will provide some brief, rapid-fire responses. On what the committee should ask the insurers, we would specifically ask whether solvency requirements are driving higher reserves, profits and premiums.

On Senator Paddy Burke's question, it is not only we who stand over what we stated on page 3 in respect of our legal system. The dogs in the street, the European Commission, the OECD, the Office of the Director of Corporate Enforcement and the Competition and Consumer Protection Commission have stated the Legal Service Regulatory Authority is a waste time which has not delivered for consumers.

Deputy Burton asked about the notion of having clinics. Not only would that not make a difference but I have received reports from industry to suggest that a number of GPs will, in exchange for €150, produce a report to allow the patient to approach PIAB. Unfortunately, therefore, a number of medical professionals are now part of the problem.