Senator AYRES (New South Wales) (14:36): My question is to the Minister representing the Treasurer, Senator Cormann. I refer to reports in The Australian Financial Review that the superannuation accounts of close to 100,000 Australians have been emptied of their retirement savings as a result of the Morrison government's early-access scheme. The Australian Financial Reviewreports that these accounts are most likely those of younger Australians. Can the minister explain what the long-term impact of reduced retirement savings and foregone earnings as a result of the government program will be for the retirement income of those Australians?