Ms Marie Daly:

I will hand that over to Ms Heeney in a few moments but I just want to mention another issue with insurance. Insurers now are beginning to dictate what our programmes with children can look like. In some cases it could be said that they are stunting the development of children. We run outdoor preschools and are now being told they cannot use this and cannot use that. The insurers are not covering us for a load of stuff, even though the insurance premiums constantly go up. That is just something I wanted to add. I will hand it over to Ms Heeney, who knows more about insurance.