Ciarán Lynch (Cork South Central, Labour)
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The difficulty with Mr. MacDonncha's response is that to score a point one must get the ball over the bar. However one can score a point like Ronan O'Gara and put it 13 metres over the bar. In some jurisdictions the ball is put over the bar a great deal higher. Industry unfortunately will just get the ball over the bar in some jurisdictions when one has a global or universal system. The bar for prudential management in Ireland seems to be a great deal higher than it is in other areas, so regardless of the level the European Union sets as a bar, the difficulty that I and every other citizen has as a consumer is that the company from which I get my insurance may have different prudential risk management from other companies. Is there a case that the bar needs to be heightened?