I propose that the part of the gross salary that is earmarked for the pension and health funds be brought into the net part of the salary, so that each individual has control over the payments into the pension and health funds, and that the payments into the pension and health funds are taken over by the banks with which we have a bank account, instead of the companies, so that we do not have to wonder every month whether our employer has paid all the obligations towards us.and we will not be afraid of whether we are insured and whether we will be able to retire when we are supposed to. And that this part of the salary would be blocked for the account holder and would be exclusively earmarked for the pension and health funds.