Furthermore, the cost of running our social insurance institutions is high. They are not integrated, which allows for double-dipping and duplication. There is a real need to enhance the regulation of provident and retirement funds, as outlined in the discussion document by the National Treasury and Social Development. Never, never again should it be that greed occurs as it did in the Fidentia scandal in which the most vulnerable, the orphans and widows, were deprived of the income that would have secured their survival. For too long a too important element of social security has been left entirely to free market arrangements.