Mr. Brendan Dempsey:

Senator O'Donovan is concerned that the insurance industry might opt out of the problem if others take up the slack. It has already opted out. In those areas where it has not opted out, it has managed to treble the price of policies while removing all of its risks. This is a beautiful move for a business and the industry has got away with it. Will the Houses examine the legality of what the industry is doing? They might be surprised by what they find.