It is worth recording a few figures although it is not often that I quote IBEC or the Small Firms Association. In a survey of SFA members, 76% said there had been no change in their rate of insurance claims from year to year and 15% recorded a decrease in claims. Only 9% had an increase in claims yet in one year the cost of premiums rose by 100%. The Irish Hotel Federation describes the experience of a hotel with fewer than 100 bedrooms in a provincial city. In 2001 its premium was €50,000, in 2002 it was €200,000 and in 2003 it increased by a further 150%. We all know this is happening and we must ask what can be done about it. It is in answering this question that my good friend Senator Leyden and I part ways.