b) The state should provide aid to people in need during the pandemic and recession, following the policies recommended by regional and international organizations such as the IADB, the ECLAC, and the ILO; c) To face COVID-19 and the crisis, deferring contributions to the AFP, which would allow placing more public resources in capital spending, leading to employment reactivation; d) The insured with sufficient funds could withdraw a reasonable percentage from their individual account to build a house or make the principal payment on a mortgage, after assessing their ability to comply with these payments; and e) The law should warn the insured who withdraw the funds, that they will not be able to receive non-contributory pensions in the future, and this provision would be informed to, and should be accepted by, those who make the withdrawals. 16. Reinforcing the Equilibrium with Actuarial Studies Financial-actuarial sustainability is essential to ensure compliance with all the key principles of the pension system; here are some country-specific recommendations: a) In Chile, keep complying with the periodic actuarial valuations stipulated by the 2008 re-reform and ensuring that the necessary budgetary funds are allocated for the payment of solidarity benefits; b) In Costa Rica, approving, in early 2021, the key proposal to eliminate or reduce early retirement(the main problem that the public pillar is facing) and conducting an actuarial study to determine if such proposal and the 2020 parametric reform will require another parametric reform by 2035; c) In El Salvador, choosing the members of the actuarial committee stipulated by the 2017 re-reform in order that this committee may recommend mea­sures to face long-term commitments, especially to face the CGS deficit projected as of 2027; d) In Mexico, the current reform proposal in congress is positive, but it will not resolve the current disequilibrium(mainly caused by the option to choose between the pension formula of the closed DB system and the one resulting 223