Mr. John Quinlan:

Absolutely. As we have seen recently with overseas insurers traditionally passporting into our market, their pulling out of the market completely is a big concern. When we consider what happened on the back of the Setanta Insurance collapse with the collapse of Gable Insurance, Enterprise Insurance and Qudos Insurance, many of these businesses look at Ireland and wonder what is going on. We need to change that and make it more attractive to existing players because we have all got parent companies that we have to convince to keep our capital here and we want other capital to flow in equally.