Mr. Pat Farrell:

I do recall at the time that there was general discussion about products that would be attractive in terms of fostering the whole savings habit. I think there was internal discussion in EBS at the time about the concept of some, kind of a, saving scheme - not to the detail I don't think of what emerged as the SSIA scheme.

And I do recall having engaged with both the Minister and, indeed, the Department about the proposition, broadly, of there being some kind of a savings scheme that would be incentivised in some way.