Mr. Seán Moynihan:

I will address some of the points made by the Deputy. The concentration of wealth is an area where there is not one homogeneous group. The vast majority of people who come to us, statistically, would have twice the usage of primary care and seven times the usage of acute care when compared with the average of the older age group. They have much lower levels of house ownership. The vast majority are on their own and living on a pension. Unfortunately, there is no wealth to transfer, so there is no money to scam in that respect. They also tend to be more digitally excluded. In some ways, we do not get huge feedback from older people about being scammed on the basis that they may not have access to that. That is also part of the story that we try to get across about older people.

The second highest area we deal with involves housing issues, which were raised by the Deputy, yet there is a perception that older people do not have housing issues. That is part of the richness of the conversation.