The same applies to the airline industry. In fairness to Ryanair and other low cost airlines, they have reduced costs and created competition. I am sure the Tánaiste is delighted with the way Aer Lingus, which is now extremely competitive, has responded. We wish to see the same environment created in the insurance industry in particular. That would be a tremendous personal achievement for the Tánaiste, in conjunction with the Competition Authority. The Tánaiste put in place a number of measures in this regard since returning to office as Minister for Enterprise, Trade and Employment last year. I hope she can bring about a result that will reduce the cost of insurance, which will in turn stimulate job creation. It is discouraging for anyone setting up in business to be presented with enormous insurance costs and it is a deterrent to the creation of employment.