Paddy Burke (Fine Gael) | Oireachtas source

I welcome Mr. Deering and his staff. I will not go over some of the issues raised by previous speakers. With all of the evidence Mr. Deering has to date, does he think there are any cartels operating in the insurance industry? We have all seen premia go up and when one tackles them, they come down. Is there a price that all the companies will not go below? Is there any evidence to suggest that there may be a cartel in place?