For anyone who had any doubt, the recently-released report of the Motor Insurance Advisory Board showed that motor insurance companies, far from losing money, are highly profitable. They may continue to divert attention from themselves, and place the onus on this Government, or on drivers. They may even tell us that 11 September 2001 is to blame, but as any Senator who has been to New York will agree, it is difficult to find Irish-registered young drivers driving on that city's streets.