The actors in the island’s 2026-27 Budget Debate performed poorly. Even though they made many references to the socio-economic and other impacts of hurricanes Beryl and Melissa, the performance of the nation’s financial shock absorbers, i.e., the insurance companies and the entities that regulate them, were not examined. Did these organisations realise their missions when they were put to the test last year and the one before? Did they underperform, and, if so, why? Were important lessons learnt, or will it be business as usual in the future?