Mr. Declan Bolger:

Those are the two points. It is a fact that more women earn less than €20,000 so they do not have automatic enrolment. Part of the bigger point is a lack of flexibility. What one sees in the existing occupational pension schemes is that there is an ability to top up one's pension and people often do that having returned from maternity leave or if they are at a certain point in their career. Women often have less linear careers and they might have periods where they earn more than other periods. Consequently, an occupational pension scheme provides the ability to top up one's pension during those periods. I think what the Deputy seeks, concerning the 6:6:2 model, is that there is flexibility for that to be increased at any stage: possibly before somebody plans to take leave and certainly when somebody comes back from maternity leave. My colleague will supply some extra comments.