A smoke screen has been thrown up consisting of peripheral issues of business competitiveness and wages in particular. Nobody believes the country can continue to pay itself more than it earns, but a contrast must be made with the terrifying escalation in premiums and the expansion of areas in which cover is refused. In my own city there is the small but tragic example of a skateboarding rink for youngsters. It has never been sued or had a claim made against it, but there came a year in which no company would give it a quote and it had to close. Insurers are no longer interested in risk. They want certainty. If we all had certainty, we would not need insurance. If insurance companies are not about risk, they should not be in business.