It is not enough to claim it is related to the cost of insurance, which is a recent additional cost. I have every sympathy with small businesses with regard to the way the insurance burden has been landed on them but do not believe the increase is risk related. As Senator Mansergh said, it was an opportunistic misuse of the events of 11 September 2001. The margins expected by many at the middle level of the pub and restaurant industry and the lifestyles they have from the business in which they are involved have lost all relation to reality.