I do not know why this is the case. The Tánaiste spoke about competition but I am not sure what she said is correct. My colleague, Senator McCarthy, will deal with motor insurance, particularly insurance for younger drivers. This issue, which is having an appalling effect, must be tackled. I wish the Government well in this regard because what we have experienced in recent years is rip-off Ireland. It is as if one sector saw an opportunity to pass on costs. It appears that at every level costs were passed on, they were also added to. By the time it came to community groups, festivals or individual consumers, the costs were increased. Until we tackle that culture, no amount of legislation will significantly alter the position.