I don't have this consultation paper. I apologize; I don't have it in front of me, so I cannot really comment on everything that's in there, but in general you need to be careful with contribution holidays.
You're talking about a defined contribution plan. In a way, it may create unstable contribution patterns, and taking contribution holidays may eventually create the need for greater contributions. In the new model, we're proposing stable contributions for the employer, so that you don't disrupt the pattern of contributions. You stabilize the contribution pattern, so that if you contribute every year, you then can systematically accumulate pension savings for your members.
I don't know if that answers your question or if you have a further question to that effect--and what was your third question?