Louise O'Reilly (Dublin Fingal, Sinn Fein)
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Anything to do with pensions - and I have one, as we all do - gets very complicated. To go in to that for a moment as that is where I envisage a person might need some kind of representation or someone to help them, pensions are very complicated and it is easy to see the money when you get it but the operation of pension schemes can be extremely complex. I have a small concern where a person might have entitlement to something to put into his or her pension to bring it up to a certain level. In that instance, does Ms Breathnach think it can be simplified and that a person might be able to use it without professional training? Pensions are so difficult and everyone's pension is different. It is so difficult.