Willie O'Dea (Limerick City, Fianna Fail) | Oireachtas source

That is what I am saying. That is a crucial issue because the solution to this, if everybody agreed on a compulsory system, is a 1.5% increase, which can be done gradually. However, if we are talking about a voluntary, opt-in, opt-out system, we have to work out what extra contribution we are talking about for people who want to opt in.