Dr. Nat O'Connor:

I will add a point. There are new inequities entering the system. If someone is on a public service contract, mandatory retirement is at 70 years of age, but if someone is on a private sector contract, it will be 66 years of age.

That creates a tension there with the Government's proposal that we should encourage longer working lives where people want to. Some people are not affected by mandatory retirement. There is a deep inequity across the board and that should come in. An equality and human rights analysis would have to address those inequities and work one's way through them. It is untenable to build a system based on such inequities.