I resent the tendency of the Government to blame anything negative on outside forces while claiming credit for positive developments. In the USA insurance costs have not increased since 11 September 2001, which begs the question as to why they have risen so steeply in Ireland and other EU member states. The Minister should publish figures from other countries which would allow us to see what is happening and to correct any imbalance. I question the sincerity of the Tánaiste who is dancing around the issue of insurance. There is a very able Minister for Justice, Equality and Law Reform who could tackle the legal system which is intrinsically linked to the problems in the insurance industry.