We should try to provide an escape clause rather than tie people to this scheme, particularly those on low incomes who are trying to buy houses etc. If one opts out of the scheme, as the Minister readily acknowledged yesterday during the Second Stage debate, one will lose money and will also be liable for taxation. Surely it is possible to look at providing a tax concession whereby those who buy out of the scheme will have their tax waived. Nobody foresaw the current situation. We all applauded the Minister when he introduced this scheme. It should be possible to revisit the scheme to see if anything can be done to assist such people.