Mr. Peter Boland:

To summarise from our point of view, we are coming up to Christmas now and there are a lot of lists being written around the country. If the insurers of Ireland had written a wish list, and in fact they did back in 2016, the Government and the Opposition - that has to be said because this was very much a co-ordinated approach - have delivered the entire list Insurance Ireland put together back in 2016 and 2017. It is time for a payback for the policyholders of Ireland. If there is anything more the Government and the Opposition can do at this stage, as my colleague already said, it is time to hold the insurers' feet to the fire and pass on some of the additional profits. It must be remembered that insurance companies in Ireland never fell back into loss during the bad years but there is additional corporate profit being made now. It is time for some of that to be given back to policyholders.