I compliment the then Minister of State at the Department of Enterprise, Trade and Employment, Deputy Treacy, who established the Motor Insurance Advisory Board. The Government appointed Ms Dorothea Dowling, a formidable lady, as chairperson to that board. I also compliment the important role of the Joint Committee for Enterprise and Small Business in holding public hearings and publishing a report in July 2003 on the matter. Under the chairmanship of Deputy Cassidy it has worked hard. The members of the committee also include Deputies Callanan, Tony Dempsey, Hogan, Howlin, Conor Lenihan, Lynch, McHugh, Murphy, Nolan and Wilkinson along with Senators Coghlan, Hanafin, Ross and myself. All these Members, and others who have substituted at times, have played an important role in the preparation of the interim report that was published last July. The hearings are still in progress. This has given an enormous opportunity for both sides of the industry to put forward their case.