Mr. Tim Duggan:

That would be useful. I do not know how far the ESRI will be able to travel that road with the committee. On the analysis that has been done in other jurisdictions and here, the best advice is that somewhere in the region of 14% to 17% of working-age income is what is required to provide adequacy in retirement on top of the state provision. We have opted for the lower end of that but perhaps there is an argument for going higher in order to deal with the very issue both the Chair and Deputy Ó Cuív raised. Of course, that then means contributions will have to be higher or something would be done differently as regards investment and so on.