Tomorrow we shall debate insurance in another context. This is a big problem not just for hotels but for heritage facilities of various kinds, one or two of which have been forced to close. I will make the point tomorrow that while there are many structural problems relating to different sectors of insurance which we should be addressing, the insurance industry awarded itself huge increases from 11 September 2001 onwards, the only possible justification for which was depletion of reserves related to quite different sectors. That industry has not restored the status quo plus consideration of inflation. I hope the Government in focusing on insurance problems does not lose sight of the fact that it applies across the economy.