The actions I have outlined constitute a comprehensive approach to addressing problems that have developed during the years in the insurance market. The intention is to pursue them with vigour and look for a similar commitment from other actors in the market. While EU law precludes the imposition of price controls on insurance, the Tánaiste has made it clear that she expects a quid pro quo from the insurance industry in the form of reduced premiums. The insurance industry's response will be carefully monitored. The acid test will be in the impact felt in the consumer's pocket.