I call Deputy Cian O'Callaghan.

It is pointless me having to try to shout down Deputies on the Government side, then shout down the Opposition and try to get the business done. If Deputies respect each other and the time they have, we will get on just fine and everyone will be able to make their points adequately.

You have to conclude, Deputy Connolly.

Please, Deputy Connolly.

I call Deputy Fitzmaurice.

We will stop the clock.

I call Deputy Michael Fitzmaurice.

Will the Deputy conclude, please?

Thank you, Deputy.

I want to congratulate the Minister of State on his appointment and to wish him well in his role. I have had dealings with him in the past when I served as Chairman of the Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach. He presented his Estimates and every time he came in I reminded him of Carlow, Kilkenny and the schemes that were waiting to be planned and completed and encouraged him to spend the money that was there as quickly as possible. I also encouraged him to engage with count…

Right across the insurance sector, premiums have increased significantly and there is an upward trend in every piece in every area, such as motor insurance and house insurance. SMEs across the country are faced with significant challenges in getting insurance. Flood insurance is impossible to get. Young people trying to get mortgage protection who may have had glitches with their health issues in the past cannot get cover. I want to know what the Government is doing to address the issue and bring some form of stabi…

The Deputy should stick to the topic.

Let us just deal with the legislation.

Deputy-----

It is, but I want the Deputy to stick to the subject of the debate.

I accept all of that, but this is not the place for that conversation. We are debating the legislation.

I ask the Deputy to stick to the legislation.

He is making a bad job of it.

Amendments Nos. 1, 2, 5 and 20 are related and will be discussed together.

Is the Deputy referring to amendment No. 7?