It is not part of this debate, but I have often wondered if we should have researched and investigated the possibility of a State-run insurance company. In the same way as we pay tax on our cars, there should have been some method for funding such a company. People might argue that is extreme or would go against the industry. However, as even the Opposition spokesperson said, the industry did not react in time. As a result, it has brought much of this on itself. There is no reason that a marker should not be put down which stipulates that unless it gives a fair service for a fair price, largely where a monopoly exists, the State can step in to ensure that something is done.