For instance, just prior to the onset of the crisis, Sweden, United Kingdom, Hungary and Switzerland all implemented structural reforms that have resulted in a downward trend in their recipiency rates. The share of lost income that was compensated by the tax/transfer system was largest at the bottom of the income scale and smallest between the middle and top of the income scale: ranging from an 89% off-set for the first quintile to about 60% for households in the third, fourth and fifth quintiles. Despite the strong cushioning role played by the fiscal system, average real disposable incomes fell significantly for households in all five quintiles (see the numbers in parenthesis below each quintile in Figure 1.22).