I didn't understand the last question, but I'll answer the first two.
Who are the most vulnerable individuals? Obviously, those who have no private coverage, who have no private pension, who are unable to save. That's a large category. There is the issue of gender: single women are also more vulnerable in old age than married women. There are these categories; there are quite clear figures on the subject. I believe that—we talked about this a lot today—those who don't have access to a private pension or to private savings are vulnerable and will be even more vulnerable in future. I think that's quite clear.
Which people are treated most unjustly? First you have to define what you mean by “justice”; it's in fact a loaded question; you would have to explain to me a little what you mean by “justice”. Nevertheless, it's definitely those whose employers offer no protection, who have to make do, or those who are unable to save. However, I'm not sure about the question, of what you mean. What do you mean by “justice”?
As for the last question, I didn't understand it; so I wouldn't be able to answer it.