HELEN WHITE (Labour): Thank you, Madam Chair. This was one of the first pieces of legislation that I worked on in the Finance and Expenditure Committee, and I was very impressed with the cooperative way that things were carried out. I was interested in really considering the universal nature of our superannuation and the fact that, in fact, this was very different from the safety net that many of our migrants will have if they need it. This is a scheme that has been very much thought about in terms of the contributions that people make to it and what they get out of it. Obviously, it is taxpayers' money. It is actually the superannuitants' own money that's going into the scheme, in principle, so it's very important that we respect that and are careful with the way we use it. 