Modern service activities such as financial intermediation, real estate, renting and business activities and health and social work also have more informal workers among men than women. Public administration and defence is primarily in the government sector and as such has the lowest percentage of informal workers. However, about one quarter of the women workers even in this sector are informal. The lowest percentage of informal workers is among those with graduate and above levels of education, although it has been increasing over the years among both women and men.