Mr. Paul Kelly:

I will go first. We were delighted to support the team in Munster Vales. I have cycled the Carrick-on-Suir blueway and know how beautiful it is. Tipperary has got tremendous potential. I welcome the new tourism strategy for the area. I have been through it and it is a fabulous county and we support the development of it. I believe there is a bright future for tourism in Tipperary.

With regard to the language around wet pubs, I have no idea where that word originated from but the Government, following health advice, was trying to allow pubs that serve food to open.

The distinction between a gastropub and a restaurant is unclear. I am not sure whether I am in a restaurant or in a gastropub these days. It is hard to draw the line but we wanted to find some mechanism to allow those pubs that serve food to open when restaurants were open.

I completely agree with the points on the challenges that businesses face and the standing costs. One area that struck me recently is that of insurance, which needs attention. If businesses are not trading and if they have far fewer customers and staff as a result, there is a significant reduction in their risk profile. However, we are hearing stories that insurance premiums are only being reduced by 6% or 7% in some cases and those reductions are applying to next year's premiums as opposed to a rebate being provided on this year's premiums. That is not strictly within the remit of Fáilte Ireland but looking at some of those costs that businesses have had to incur, there should be better supports for the industry in that area. That issue should be looked at.