Mr. Tim Duggan:

I apologise if I gave the impression that other countries have set the starting age as 23; I did not think I did that. No other country has set the age at 23. The UK has 22, the US has 21 and other countries have 18. Some countries have no age limit at all. Those would be countries that do not build it the way it is being built here based on employment. They just let anybody join similar to a saving scheme. Children may join if they want to and put in €100 at Christmas when they get it from their granny, that kind of thing. It depends on the nature and design of the scheme and what it is trying to address.