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Thanks for raising the cost of my airfares to Europe, Mr Bott. The other day I asked the local motorboat man if he would take me around to Conwy at the end of the day. "Sorry, David, my insurance doesn't cover that". When I was a lad I used to steer those boats, there were half a dozen of them in the bay here, there were queues for a ride around to the lighthouse and no question of any insurance arose, and no one cared if they arrived back late.

Now there is just one such boat. There are no queues. Health and Safety, consumer protection and claims lawyers have between them done for the motorboat trade here in Llandudno. One can see parallels with the Law Society.

Thank you, Mr Bott, but no thank you. I for one do not welcome this decision. We are becoming a race which believes that every inconvenience should be rewarded with compo. Soon we shall be like USA where surgeons cannot afford to practise in some states simply because they cannot afford the insurance premiums.

And the losers are the very consumers these measures are introduced to protect as the services are no longer there.