My Department, in conjunction with the Competition Authority, is undertaking a study into insurance. The study will identify and analyse barriers to entry and limitations on rivalry in the insurance marketplace. It is envisaged that the bulk of the work will be completed this year and that a report will be produced in the early part of 2004. The Government is also taking action in a number of other areas to help tackle the high cost of insurance. This includes action in the areas of road safety and driver behaviour, reform of the law in relation to personal injury claims, including supporting of claims by sworn affidavits, and in the area of advertising by solicitors.