What has happened on this issue, which has become the number one political priority for Government? As I said earlier, the Government has been tardy in implementing the recommendations of the MIAB. It has also been unable to tackle the vested interests involved in the insurance and legal professions. There is no doubt that the legal profession has a clear culpability for urging a claims culture that has resulted in high legal costs and excessive premiums for both householders and business. However, the insurance industry is not without blame in this matter either.