Mr. Paul Gallagher:

I have a few views on it. If our industry is going to be an attractive industry to enter and we want people to stay in our employment for a longer duration, it will be based on whether they will accrue a standard of living in their retirement that is commensurate with demands when they do retire. Mr. Fenn referred to equitability with site tax. As employers, we need to prepare our employees and our businesses in respect of the need to contribute to the future cost of pensions and to get them to start earlier. It is entirely up to them whether they decide to opt out but I am fully in favour of having staff join a pension scheme as quickly as possible. In my hotel, 18-year-olds bounced into the hotel as young women and retired after 45 years of service. You will find that up and down the country in hotels and restaurants. People enter this business, you think they are not going to stay and yet they retire from them. They should have a pension that can support a life for them into their old age, so I am fully in favour.