Acknowledge Gary's comment. Explain the basics of the co-contribution. [YOU]: Greet Gary. [GARY]: Thanks for meeting with me. I just want to make sure I get the most I'm entitled to, you know? [GARY]: Oh, OK, so am I eligible? [YOU]: List the eight elements of eligibility. Ask Gary (tactfully) what his income is. [GARY]: I'm on $35,000 this year. Since I went part-time and all, and this is my only job. Does that make a difference? [YOU]: Answer Gary's question about being a part-time employee with no other income. Explain the income thresholds, eligible income test, any minimum personal contributions, and what Gary's income means for his eligibility. Ask Gary his age and citizenship status.