One wonders what Labour Party members were doing when the Tánaiste read her speech because it must have come as a shock to them. She is determined to ensure the legislation is enacted before Christmas. For anyone to criticise that and say it is not action and will not lead to reform and further competition is absurd. We have seen what competition has done in the airline and telecoms markets. We will shortly see the dramatic effect of this new insurance reform Bill, together with what is being done by the Minister for Justice, Equality and Law Reform, Deputy McDowell, and the Minister for Transport, Deputy Brennan, on the penalty points system, on falling insurance premiums. For that reason I am delighted to support the Fianna Fáil motion.