If I may offer a further reflection, there is a general feeling in this country that if one is injured at work or in a road traffic accident, one should be entitled to compensation. For some time past, efforts have been made by the Irish Insurance Federation to point out that one is only entitled to compensation if somebody else is at fault. That, of course, has been a basic tenet of our law for quite some time. Perhaps there is some merit in moving to a situation of accepting no-fault liability, whether in regard to traffic accidents or particular types of claims. That would be a very meaningful way of cutting costs. It might very well be that the overall cost to the insurance industry might not increase through having to compensate people without a requirement to establish fault. This deserves consideration and debate.