Mr. Brian McHugh:

There remain very real issues that businesses and consumers face. When you make significant reforms, as happened in the insurance sector, it takes a bit of time. In terms of, for example, personal injuries, we have seen changes to the Injuries Resolution Board that we looked for. We welcome that. We know that legal costs at the Injuries Resolution Board are approximately €600 compared to €25,000 in court. We need to see more cases moving from the courts system to the Injuries Resolution Board.