Dr. Conor O'Toole:

The windfall element is vulnerable. I do not have the figures in front of me about what specifically it is, but the Department of Finance has published reasonable estimates of that, which are relied on by a number of bodies. The question is, what do we do with those windfall elements? Obviously, they accrue to the State. It is a bit like an oil find whereby money comes into the State and it has access to it, so what should it do with it? Our suggestion would be that it would be put into the funds to save for a rainy day and to prepare for the many challenges we face, from ageing to climate.