I did not say much about trade licences. The increases proposed in this area are small. Our main interest in this debate, however, is the private car. Car owners have been tormented by the cost of insurance more than anything else, although this might change with the success of the penalty points system. Perhaps the Minister of State could pass this on to the Minister for Enterprise, Trade and Employment. It is to be hoped that the committee being chaired by Deputy Cassidy will be able to come up with proposals to ensure we have a reduction in these costs.