Let us consider insurance companies. What is happening with them? They are losing money hand over fist and the message is getting across to people that this is dangerous for the financial system and, therefore, there must be some way that we should subsidise it. The idea is being implanted in consumers' minds that there is a justification for some of the loss-making sections of insurance companies to be subsidised by young drivers. This was reflected in some of the thinking on the Government's amendment, but it is not something we can justify.