Hon CARMEL SEPULONI (Minister for Social Development and Employment): Madam Chair, thank you very much. Well, just to start, the member Louise Upston has pointed out the $40 billion vote, and I do want to clarify that in that $40 billion vote, almost $20 billion is for superannuation. The three main working-age benefits receive about $7.4 billion; accommodation assistance, about $2.3 billion; student allowance, $682 million; hardship assistance, $608 million; winter energy payment, $518 million; and disability assistance, $418 million. So it is important to keep it in perspective with respect to the significant amount—50 percent—that is paid towards superannuation. 