I endorse one of the primary motivations behind the legislation, which is to lower legal costs but perspective is needed on this issue. Previous speakers suggested legal costs are the primary problem in terms of the high cost of insurance premia. The MIAB report outlined figures in this regard. I read the evidence it set out to reach that conclusion and it is not persuasive. In addition, the Law Society disputes the figures. Other costs and factors contribute to the high costs of premia and these have been set out in detail by the motor insurers' bureau and the Oireachtas committee that sat during the summer. Between one quarter and one third of drivers hold provisional licences, which would not be understood, much less tolerated, in most other European countries. The Government continues to contribute to the cost of premia by levying an extra 2% on them, which everybody accepts, in principle, should be abolished, but the Government has not got around to doing it. If the Minister of State, Deputy Parlon, manages to persuade the Department of Finance from within to do so, I will be surprised.