Mr. Finbarr Filan:

A collective basis can only be looked at if the business owner does not have to do anything because in most of those small businesses, the business owners open the door, clean the floors, stack the shelves, shut the door and go home after 14 or 15 hours. They do not have time to go to talk to other people. That is part of the problem. Many of those small businesses cannot take on any other work.

However, businesses coming together does work. We have a business improvement district in Sligo where all the businesses work together to put in projects that make Sligo better and making Sligo better ultimately makes our businesses better. There are ways to do it, but I do not see us ending up with a buying group to sort out insurance for small businesses. I do not think it would be viable.