There are many aspects of the report of the MIAB which have not yet been considered. Will the Minister clarify the position in regard to the stamp duty of 2% on insurance premiums, which was supposed to be removed under recommendation 58 of that report? There is a question mark over the funding of the PIAB. The Tánaiste said the initial cost of establishing the PIAB will be borne by the State, but how will it be funded in the future? The Minister refers to it being financially viable and cost effective. However, people are concerned that policy holders will have to subsidise it to some extent.