The Tánaiste and Minister for Enterprise, Trade and Employment, Deputy Harney, has initiated steps to reduce the high costs of insurance. However, not enough has been done and we have seen the effects on bed and breakfasts, hotels, craft shops, bicycle hire and car hire companies. They are all under pressure and see the main problem as the high cost of insurance. Senator Phelan has put down this matter for discussion on the Adjournment tonight. I am in the restaurant business and have seen insurance costs going sky high this year. Public liability in particular has gone through the roof. Every small business is faced with this state of affairs. The Minister should do more in this regard to put pressure on what I believe is a cartel operating in the insurance business.