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May I congratulate my right hon. Friend on the calm way he is dealing with a historic situation? May I raise a point about insurance that was also raised by those on the SNP Benches? Headteachers across the land have organised trips along with parents, who put in a lot of money. A school in my constituency has spent £140,000 getting children out skiing. The insurance companies are referring them to the travel companies, and the travel companies are saying that there is no chance of getting the money back unless the FCO specifically restricts travel to that location. Could my right hon. Friend clarify to all schools across the land, not just those in my constituency, what the situation is and what chance they have of getting their money back?