The true test of the Government's resolve and commitment to this issue will be whether the premiums for business and consumers are reduced over the course of the next six to 12 months. If premiums do not fall, the resulting consumer anger will be visited at the door of the Government. On its record to date, I remain to be convinced that it has the resolve and the ability to secure the savings that are so badly needed in this area. While that is how I feel, I wish the Tánaiste and Government well in bringing about the much needed reforms.