Linda Nelson Murray (Fine Gael)

I thank the witnesses for coming in. It is great to see them here again.

Turning first to the Alliance for Insurance Reform, this morning I quickly printed the action plan on insurance reform, which was produced in the summer of this year. It was the most submissions we have ever had, such is the need for action when it comes to insurance costs, fair insurance and competition in the market. There are 26 actions in the action plan, described in detail, all going from the final quarter of 2025 and up to quarter 1 of 2027. In Mr. Hanley's opinion, what is the most important point in that action plan to get done now? I know it is all important, but what would Mr. Hanley want to see happening?