One of the greatest achievements of the 20th century is the fact that people now live longer. By 2030, the proportion the population aged 65 years and over will have grown to 16% in comparison to just 11% today. The issue of an elderly population will not go away and additional resources must be provided. The major implication for the health services will be dependent ratios. We discussed health insurance – that provided by BUPA and the VHI – previously and I supported the equalisation initiative. If there are too many voluntary health insurance companies, some will be able to cherry-pick their clients. This could be dangerous. I am happy with the new Bill, but we cannot allow cherry-picking to proceed because the elderly would be neglected as a result.