The issue of young drivers is before us. There were problems in this sector before the changes in the insurance market. The increases of the last two years might have been far greater than in the previous two years but even before 11 September 2001 the issue was widely discussed. As a parent of two young sons who are car drivers, I certainly share these concerns, given that parents normally have to pick up the costs. We also have to recognise the actuarial figures placed before us and the way in which the insurance industry has operated in terms of pooling people, and even professions, as being in a high risk category. In the case of medical insurance, there is a far greater spread of insurance costs throughout the entire field of those insured, whereas there has been a somewhat selective approach by the motor insurance industry.