The innovations proposed in regard to the Motor Insurance Advisory Board represent the greatest change in the ethos of the insurance industry in the history of the State. The Tánaiste has been responsible for piloting through these measures. I look forward to the legislation being passed before the end of this term by both Houses of the Oireachtas. I anticipate that both sides of the House will co-operate to assist the Tánaiste in this regard. She is responsible for the progress evident in the reduction in this year's premia by many of the larger companies. This is a significant reduction, bearing in mind the massive increases that have taken place in recent years and I hope it will continue.