I congratulate Senator Ross on tabling this important motion. I have no doubt it will be popular among the young voters in Trinity College. He is quite right to consider that fact, particularly as we are here to represent different sections of the population. We should use this debate to ensure that the insurance industry is reasonable and fair in its calculations for motor insurance and that young customers, in particular, get value for money without exclusions and loadings that do not bear any relationship to what insurance companies are obliged to pay out. I am pleased to learn that there is an excellent degree of co-operation in the House.