The Minister should consider the following proposal. He should permit savings account holders to leave the scheme without the imposition of a 23% tax penalty. This penalty was established at the start of the scheme to ensure that account holders would not break their monthly savings over the five year period. If the Minister changes the rules as I propose, it will save the Government millions of euro in the long term while also giving some people a way out when the economy has changed and their personal circumstances may also have changed.