The cost of doing business in Ireland is increasing on a daily basis. Insurance costs are killing both large and small organisations. Competitiveness is vital. I do not pretend to understand economics but in the old days Ireland was able to match the US dollar for dollar in terms of production costs. We knew we could not compete with the Philippines or India and we hoped we could beat the US and, therefore, attract multinational companies, but we are not doing that anymore. It is incredible that companies in the US can make products cheaper than their counterparts in Ireland. That is frightening.