The act covered aspects such as terms and conditions in employment contracts; promotion and demotion; harassment at work; indirect discrimination; pay and work conditions; membership of unions and professional bodies; and participating in training courses. Mechanisms were put in place to ensure the enforcement of this Act. A person can seek mediation or adjudication with the Equality Authority or go to the Equality Tribunal for a binding ruling which can only be appealed to the courts on a point of law. Under Section 37 (1) of the original 1998 act, a religious institution that provides religious, educational or medical services enjoyed a broad exemption from this act. The unamended Section 37(1) allowed religious-run schools and hospitals to take action against an employee or prospective employee in order to uphold their ethos. Since 98% of primary schools and 52% of secondary schools are religious run, this meant that up until 2015 a school could legally discriminate against a gay or lesbian employee. Section 37.1 was amended to narrow the grounds for legal discrimination. See Equality (Miscellaneous Provisions) Act 2015. Prohibited discrimination on many grounds, including sexual orientation, in the provision of services and goods by commercial companies as well as by state institutions such as the civil service and state agencies. It covered a wide area of services such as financial produces–mortgages, savings, loans; access to building and clubs and societies–not be allowed to be told to leave on the grounds on ones sexual orientation from a nightclub etc.; the state through it civil service and its various agencies could not discriminate in matter such as–granting loans or grants to university, providing an individual dole to other social assistant; in terms of renting property a landlord could not refuse to offer accommodation to a gay man or couple or evict them on that basis. The Act also empowered the Equality Authority to monitor and enforce the law regarding equality in both the provision of goods and services and employment. A person can take a case to the Equality Tribunal in the event of discrimination occurring. Allowed cohabiting couples either same-sex or opposite-sex to apply for relief on Capital Acquisitions Tax on their property in limited circumstances. This restated the prohibition of discrimination in the provision of health insurance on the grounds of sexual orientation under the Health Insurance Act, 1994. This applies to individuals and not same-sex couples. In a wide-ranging report on the situation of gays and lesbian in Ireland, the Equality Authority made many recommendations for change across many areas. Most of its recommendations were non-statutory. It called for all policies of the government departments to be equality proofed on the grounds of sexual orientation.