There is plenty wrong. Motor insurance is a problem. I do not know how the motion got through as it refers to motor insurance, which falls within the portfolio of the Tánaiste and Minister for Enterprise, Trade and Employment, not the Minister's. Penalty points should be used to increase or decrease the cost of motor insurance but, even though motor insurance is a problem, it is not relevant to the motion. I hope penalty points not only contribute to saving lives but also to reducing motor insurance costs.