I happen to believe fundamentally in the insurance principle for workers. This will shock and appal all the people on the left. Many of those in my party, in Fine Gael and in the Progressive Democrats do not agree the tax and PRSI systems should be merged. I have always believed in this principle as strongly as any trade unionist. There should be some little dot in a box to say that Joe Smith contributed so much during his lifetime, even though he was at the lower end and unemployed for some time.