In recent years two issues have arisen. One has been the scandal of the burden of insurance on young drivers. While some of the cost was the result of the driving habits of young people, much of it was the result of the inability of insurance companies to refuse to shoot at a soft target. The Motor Insurance Advisory Board has revealed the reality that more money was being made from young drivers here than in other countries, which is where a good deal although not all of the increased premium came from.