Dr. Claire Keane:

We would have to ask the Department of Social Protection about that. One has to weigh up the cost to the State. It is not just a cost this year but a cost in perpetuity when this runs. That is the kind of work that we can do. In the past, I have looked at giving relief at a 33% rate. Those are political decisions. That is a decision about changing the entire tax relief. Dr. Roantree pointed out that if we want to get auto-enrolment under way, we do not even have to touch that at the start. It could be looked at separately if there was a question about whether the relief was fair. There are political decisions about redistribution and providing relief, but those sorts of relief are not needed to get people into pension schemes. As Dr. Roantree said, just putting them in by default will do that.