That is a very brief summary of the problems, and the victims and groups who are suffering under this regime. The difficulty is that this problem has existed for a very long time. It has been discussed but a solution is difficult to find in what is supposedly a free market, yet there are things which could be done immediately which might force insurance companies to reduce premiums or which might allow more competition in the market. The first is to improve driving standards. I welcome the Government's decision to introduce penalty points. That is part of the amendment, which is absolutely unnecessary, but that initiative is something on which I think we all agree. It has reduced the number of accidents and will continue to reduce the number of accidents and fatalities. It is an initiative which has taken courage and has worked very quickly. This type of problem needs to be tackled with the sort of courage with which the Minister for Transport has tackled the penalty points issue.