I am not suggesting for a moment there would be a mass exodus from the scheme if an opt-out clause was provided at his stage, but it must surely make economic sense to do everything in our power to reduce the total liability to which the State will be exposed in 2007. I am suggesting that some people may decide to take their money and run and that this would be in the interests of all concerned. Even a 10% reduction in the overall cost of the scheme, by implementing this proposal, would free up tens of millions for more worthwhile projects between now and 2007.