Most of us have plenty of experience of having our hair cut and will have found that the price of the service has escalated enormously over the past five years. The insurance industry has used 11 September 2001 to ratchet up prices in a wholly unacceptable manner. I cited earlier the 600% increase in the profits of Irish Life in 2002. The Department of Enterprise, Trade and Employment should examine this matter closely and publicise the actions of insurers. A committee of the Oireachtas is to discuss banking soon. We focus very much on the mortgage interest rate while paying little attention to the fact that interest rates for business and farming have hardly altered despite the steady reduction in base rates.