Single mothers, inactive women of working age and women aged over 75 were particularly at risk of poverty. Women's greater exposure to the risk of poverty and exclusion results in part from the 42% drop in overall income, due to the combination of three gender gaps. Greater equality of opportunity for women creates better access to the labor market, support for an independent life and therefore better social protection, particularly in retirement. Childcare support is a key factor in enabling women's employment and encouraging their participation in the labor market. There is a strong correlation between employment rates of women with young children and the proportion with access to formal childcare, particularly during the first three years of a child's life. Social investment approaches also focus on benefits and services that help people achieve positive and sustainable social outcomes throughout their lives and reduce their dependence on benefits. In 2012, on average 12% of the EU-27 population was overburdened by housing costs, but for those at risk of poverty the figure was 39%. For the non-poor