John Moloney (Laois-Offaly, Fianna Fail)

We cannot compare most financial products because we are talking about a community-rated product. The same does not apply to other financial products, and that is why the 31-day limit is there. The effect is the opposite to what Senator Fitzgerald suggested. It is there to protect the consumer and ensure that the product is properly marketed and that the public become aware of it, rather than particular segments who deal specifically in that area. It would not apply to any other financial product but only this species of product in a community-rated market.