Big business is in the front line in the sense that it has been hit by the greatest increase in premiums over the past number of years. For many businesses, the increase in their insurance costs has been the difference between them being able to keep trading or going to the wall. For many businesses today, the cost of insurance is a life or death issue. For the economy in general, the high cost of insurance compared to other countries is a significant drag on our international competitiveness, an issue we discussed earlier.