As Senator McDowell said, the Labour Party criticised the SSIAs when they were introduced. We said that they were a State subsidy to those who were already well off and that remains the case. The contract cannot be broken but it would be sensible to create conditions in which people are encouraged to get out of the scheme early. It is particularly now, when people are a little tight for money, that we should consider letting investors out of the scheme. Whatever the cost up so far, it would be lessened if that was done.