The Government set about a task in the programme for Government in recognising the difficulties in the insurance industry and made it very clear that reform was needed. In bringing forward reform one cannot confine it to a single approach. A number of actions are necessary to bring about proper reform, some of which have been mentioned by previous speakers. In An Agreed Programme for Government it was acknowledged that the MIAB action plan, with its 67 recommendations, would be implemented. Other speakers have commented on Senator O'Toole's appointment to the PIAB and I share their views. It was one of those boards from which we chose not to ban the appointment of Members of the Oireachtas, whereas we have taken a different approach to others. I welcome his appointment and believe he will bring the same energy to the position as he does to debates in this House.