Mr. Gerard Brady:

It is not something that comes up a huge amount for us. The major issues that come up for us with our members on the social welfare side are welfare traps. PRSI and the step in effect in PRSI in particular. The income thresholds in the HAP scheme are another one. The same applies to things like third level grants where families face big losses in income if they take on extra work or extra overtime. That is where we see the real challenges in the system. More broadly, it goes back to earlier questions about what we learned from the temporary wage subsidy scheme, TWSS, and other schemes through Covid. How do we take that forward as a scheme that keeps people close to the labour market during times of systemic cyclical crises, to which the Irish economy and the global economy are prone? Those are the types of questions we focused on in our submission to the commission.