We know that income is a really critical component in terms of enabling people to flourish and live good lives, and our superannuation scheme has been instrumental in reducing rates of poverty amongst senior citizens. It continues to be, effectively, a universal basic income for people over 65 in this country that has served us as a country incredibly well, but, unfortunately, the rates that people receive aren't always enough to make ends meet any more, particularly when many people do not have that privilege of reaching 65 with a secure home and savings—a safety net—and many have the need for ongoing medical treatment now. Superannuation as it was initially conceptualised was built on the assumption that people owned their homes, because we had a much higher rate of homeownership at that time, and that is changing, which, to us, feels as if this is not the time to actually be picking away at our superannuation scheme and to be undermining it. Actually, this is the time for us to be looking at what else we need to do to ensure that in their last years of life, people have enough to flourish. 