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1.   “There was obviously a trick somewhere but I couldn’t find it so I simply didn’t sign up.”
2.   “The benefits were a bit morbid – they were designed for someone older who thinks about death”
3.   “I didn’t understand it”
4.   “I am not sacrificing anything and the company should not have asked me to do so”
5.   “I have children but it looked so difficult to choose the vouchers and I couldn’t understand what I would save”
6.   “My dog ate my enrolment form”
7.   “There was nothing in it for me”
8.   “There was so much paper I decided to store it to light the fire at home”
9.   “I gave it to my children as they liked it because it was bright and colourful”
10.   “I couldn’t be bothered”
11.   “I lost my password and I have to go on hold to the helpdesk for ten minutes to get another one"
12.   “The critical illness seems a con – I had a critical illness and it didn’t pay out”
13.   “I wanted 365 days holiday a year but I couldn’t choose that on the system”
14.   “It was launched to recognise diversity but I don’t think buying and selling one day’s holiday really meets this.”
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