Mr. Adrian Cummins:

I will deal with the question on landlords first. Obviously there has to be a State forum involving the State, the landlords, banks and commercial tenants, to hammer out some sort of a process to deal with the economic crisis and how it affects commercial rents. At the moment, we do not have a structure in place. That needs to be done and we have recommended that it should be done as quickly as possible or else we will have a tsunami of closures.

Everybody loses - the banks, landlords, tenants and the State. It is not just the hospitality sector but retail as well.

On insurance, the Restaurants Association of Ireland is part of the Alliance for Insurance Reform, as are the other organisations represented today. We have put forward a suite of recommendations to the Department of Finance and the Central Bank. The big insurance companies will grind down any small business and make it fearful of taking them on, either through arbitration or the courts. They will make it tough to do so and ensure it is a lost cause for every small business. They will make sure that any company that goes through the process of trying to get business disruption relief at the moment suffers. That is wrong. The Minister for Finance needs to bring insurance companies back in again and tell them they need to do what they-----