One of the ways in which the insurance industry has acted against the national interest has been its attitude to settling claims. We have talked about this tonight, Senator Ryan particularly addressed this point. The industry has always taken the very shortsighted view that it is cheaper to settle even a fraudulent claim than to pursue the rights and wrongs all the way. This attitude has been a major contributor to the "compo culture" that has become almost a cancer in our national life. Small wonder that people have come to regard insurance companies as a soft touch. That is exactly what they are.