In other words, there are two types of individual voluntary agreements (IVAs) that you can offer, even if you don`t have excess income to pay monthly amounts. On 25 January 2006, the negotiating teams of BusinessEurope (ex-UNICE)/UEAPME, CEEP and ETUC agreed at EU level on a proposal for a second work programme for the period 2006-2008. This second work programme of the EU`s social dialogue aimed to promote growth, jobs and the modernisation of the European social model. The 2006-2008 work programme also included the conclusion of two “autonomous” framework agreements similar to those related to telework and work-related stress. A framework agreement was harassment and violence in the workplace (signed on 26 April 2007); the other agreement will be either disadvantaged workers or lifelong learning. . . .