PJ Murphy (Fine Gael)

I thank the witnesses for their evidence, which has been most informative. Before coming to my job in the Seanad, I worked as a carpenter for 20 years. I worked with countless management companies around the country. Again and again, the companies had exactly the problem the witnesses have highlighted, that is, the non-payment of contribution. Mr. Montague said the rate of non-payment is approximately 20%. I thought it would have been higher, in my experience.