Mr. Philip O'Leary:

The cut-off point is €18,000. The difficulty I have is that if a person is on a figure of €18,100, he or she is cut off; therefore, there is almost a cliff edge. It is subject to the board's consideration and the Minister's consent because the Minister must pass a regulation, but there is room to increase the limit and probably to allow for a situation where, perhaps, the contribution might increase. However, there would not be the cliff edge effect where it is either all or nothing.