Some time ago when a Member of the Dáil, I carried out a survey of public liability claims against local authorities. As far as I can recall, in the case of Dublin Corporation there were 593 claims in a particular year. Of those, approximately 580 were settled out of court, some on the steps of the courthouse. Some 40% of the cost of those claims went on legal costs. The management and operation of insurance in Ireland is absolutely crazy. For example, if somebody trips on a pavement outside Leinster House this evening, they do not have to lodge a claim with the local authority until 24 March 2006. Three years can elapse before a claim has to be submitted. In the name of sweet heaven, how can any local authority enter any kind of a defence when such is the situation? Where would be the proof, evidence or witnesses?