Mr. Adrian Cummins:

I agree with Mr. Gallagher's argument that when staff start at a young age, they need to be encouraged to get involved in a pension scheme as quickly as possible. The only sector I would equate to employees automatically getting into a pension scheme would be the construction industry. It is one we could learn from. From an employer perspective, we automatically see pension auto-enrolment as a cost to the business at this time. It is about education. The minute young people get a job, they should be encouraged in some shape or form to take on a pension and then over time-----