proposal in Colombia), 112 it should also be considered to compensate women for taking care of the elderly and disabled at home; i) When the spouse holding the pension gets divorced, half of the fund in the individual account should be shared with the other spouse, usually a woman; and j) The measures recommended to extend the coverage of self-employed workers would favor women, because they are overrepresented in this type of work. 7. Increasing the Adequacy of Benefits The average RR of the nine systems is 39.8%—well below the minimum stan­dard of 45% set by the ILO. a) FIAP’s proposal to improve RRs is increasing contributions; nevertheless, we have not seen an actuarial study showing that such increase achieves the minimum RR. Actually, the 2020 Mexican proposal in congress(so far not supported by a published actuarial study) is a RR of 40%, i.e., five points below 45%. Also, FIAP: has supported state contributions to individual accounts in order to improve low contributory pensions(as in Bolivia, Chile, Mexico, and Panama) or as an incentive to incorporate self-employed work­ers(as in Costa Rica, or a contribution of the solidarity account as done in Bolivia); has requested increases in retirement ages; and has approved the expansion of non-contributory pensions financed by fiscal authorities. On the contrary, FIAP has not offered—in order to increase RRs—to reduce AFP high fees, advertising expenses, profits, and remunerations of the directors, proven in this monograph. In other words, any help provided by workers, employers, and the state to improve the RRs is welcome, but with no sacri­fice by the AFP. Any solution must include the AFP giving up some of their benefits in order to improve the RRs; otherwise, it would be inequitable. 112 In Argentina, mothers with many children and without resources are entitled to a non-contributory benefit. 215