There have been no new entrants into the market recently because any entrant from the UK or further afield would see what has been going on here and refuse to enter a market with that level of compensation and legal costs. With the reforms now taking place, we will very shortly have a Bank of Scotland-Ireland type of operation coming into the insurance market that will fundamentally change what is happening. Then, as Senator Quinn said, insurance companies will be chasing us rather than us chasing them and pleading for a premium. The Government's response, and the comprehensive Fianna Fáil motion here tonight, demonstrate the radical approach and proactive nature of the activities on which the Government is embarking.