Whatever she does to tackle this issue, we will give her all the support we can. However, a lot more needs to be done. The cartels need to be taken on. I would like to know from where the Tanáiste sees the competition that she intends to bring into the market coming and how it will be introduced. The rising insurance costs are a grave concern to young people and business people. There is great hardship facing some of these people. In the past, many business people faced hardship in paying increased business rents. Now, it is insurance costs. When small businesses have to borrow large amounts at the beginning of the year to pay insurance premia, it places a great burden on them. Many small businesses will not be able to pay these large premia and will be left with no choice but to go out of business.