There are two things to be said here. First of all, I welcome this change. I believe it will lead to reduced insurance costs. If the Deputy would like to avail of the opportunity, I will ask the Minister of State, Deputy Fleming, to talk to him. He is overseeing the whole area of insurance reform and is applying himself with great energy. It is a milestone and will bring the Personal Injuries Assessment Board, PIAB, back to the centre stage. PIAB will be the faster and cheaper route through which to pursue claims f…