There is also a fairly comprehensive pension system (Chapter 4), some insurance-based programmes for the working-age population and in terms of overall expenditure some relatively small income-tested programmes for low-income families. Finally, the financing of social support involves considerable distribution of natural-resource generated wealth across the country, but is otherwise regressive with a flat-rate personal income tax scheme and a social security contribution scheme levied on earnings up to about 1.5 times the average wage. Compared with overall social spending, this “monetisation reform” was limited in magnitude, and the categorical nature of the benefit system has not yet changed fundamentally, whether paid out in cash or in-kind, benefits still mainly go towards deserving categories of recipients rather than being income-dependent (except in a few cases, e.g. child benefits).