There is a major issue at stake here with regard to EU competition policy. In France, this area has developed with a multiplicity of insurance companies evolving at around the same time. We are now grappling with the issue of having had a State monopoly which was unaccountable in many ways. Approximately two years ago, the then Minister of State, Deputy Moffatt, was in the Seanad for a debate with Senator Ross, who has a bee in his bonnet about the VHI. Senator Ross was in particularly eloquent form and we learned that the VHI had 400 employees and 40 cars; not vans, but motorised vehicles for the use of their staff. The Minister of State was as taken aback as we were and he undertook to return to the matter but the election intervened.