This issue did not crop up overnight but it has become worse in recent times. The dust had hardly settled on the 11 September 2001 disaster when it appeared the insurance companies began to tot up its cost. Suddenly at local authority meetings we were hearing that insurance costs had doubled, even trebled in some cases, because of the 11 September terrorist attack. The effect has been extraordinary. People have spoken about the effect on business. We have seen the effect on communities also. Last week I was involved in an arts festival where our biggest cost was insurance. Some festivals, such as St. Patrick's Day festivals, did not go ahead this year because of insurance costs. Community groups are hugely hit. While they are doing excellent work in the community, their insurance costs have become totally prohibitive.