Fidelma Healy Eames (Fine Gael)

I am simply drawing the Minister's attention to this point because he is on the economic management council and it is very important that the responsibility is shared between the employee and the employer. Perhaps this is a matter for another day.

Finally, it is important that we examine, within the confines of the Constitution, how we can help people to access their personal pension funds. It would help with indebtedness and would reduce the duty of the State to help them with their indebtedness through other schemes.