Class A employees with reckonable earnings of over €287 per week pay a social insurance contribution of 4% up to the employee earnings ceiling. We did not have an opportunity to increase the band this year and, therefore, many people on the jobs initiative scheme will not be exempt from paying social insurance. One can create poverty traps by setting ceilings but we must put a figure on disregards, including the stage at which people pay PRSI. We are not just dealing with those on the jobs initiative scheme, but with low paid workers.