I call on insurance companies and the Irish Insurance Federation to address these problems. They need to reduce the price of insurance across all sectors. They must accept their responsibility in tackling the threat to competitiveness this country faces. They need to make premiums cheaper and keep them at that level. There can be no half measures in that regard. Jobs and the economy of the country are at risk. The insurance companies must address this now. They cannot be allowed to dwell and deliberate on the issue and hope they will be let off with some token reduction. Large reductions in premiums should be made immediately. This is the least the public deserves.