Ms Isolde Goggin:

On dual pricing, we did undertake to do some market research on the issue. From the point of view of a competition and consumer protection agency, it is a little complicated. We are aware that the committee has been concerned about it but, undoubtedly, price discrimination can give rise to negative effects. It is clear that there is a loyalty penalty for people who have stuck with a company over the years and that they have gradually been more and more disadvantaged as better packages are offered to new entrants. On the other hand, we are also aware that dual pricing can be the way for entrants to break into a market, particularly one dominated by a couple of substantial players. Where it is difficult for somebody to build market share, offering a better deal to new customers can be a way for them to build that market share and, over time, it can help to improve competition in an industry to the benefit of consumers. We are carrying out market research on the area to try to determine the issues at play, the ways in which people behave and who is advantaged or disadvantaged by such factors. When we have the results of that, we will be in a better position to take a position on whether dual pricing is a negative. We will wait for the results of that.

The other issue the Deputy raised related to insurance. I am sorry but I did not write it down.