Mr. Aebhric McGibney:

Insurance is certainly an issue. In our submission we tried to focus on issues that are issues for all companies. Everyone is worried about housing because the cost of accommodation is impacting on the cost and supply of labour as well as the whole dynamics of how enterprises work. I attended the cost of doing business advisory group's recent discussion and insurance comes up a lot, particularly for retail and hospitality. Defamation has come up as a big issue for retail and-----