Mr. John Maher:

To address the insurance issue the Senator raised and the difficulties in getting insurance in rural Ireland and elsewhere, the Government has produced the action plan for insurance reform. Across various parts of government, there are reforms under way. Legislation such as the perjury Act has been enacted. There is work ongoing on the duty of care and occupier liability. These are very important parts of the puzzle, of which PIAB is one piece. There is no magic bullet that will solve all the problems regarding the availability and cost of insurance, but, taken together, the measures will have a positive impact. That is the only thing I would add on the specific point to Senator raised on businesses in rural Ireland.