Mr. Pat Smyth:

In one's longer-term career it is, whereas for a young social worker under 30 with an intention, perhaps, to travel abroad, it is not. Part of our challenge with recruited social workers concerns people who are employed by us full-time. Our experience is often that once people leave within two years they can recover their pension contributions, so it can act as a fund. This is not just the case with social workers; it is the case with other young graduates. There are benefits-----