I agree with Senator Ross, in part, about pensions. The Minister is obviously preparing us for a cessation of investment in long-term pensions. He said, "a lot of expenditure is age related – pensions in particular" and mentioned that "16% of other member states' populations are aged 65 plus whereas only 11% of our population is in this age group." It seems that he has sent a clear signal that he is going to stop investing in pensions for the time being. This is the time to do so, based on a judgment of the market.