Senator CORMANN (Western Australia—Minister for Finance, Vice-President of the Executive Council and Leader of the Government in the Senate) (14:37): The first answer that I would provide is that these Australians are accessing their own money under arrangements that we put in place. The average withdrawal is about $8,000, and it is individual Australians, including young Australians, exercising their judgement—their own personal judgement—on how to deal in their circumstances with the implications on them of this one-in-100-year event. The PRESIDENT: Order! Senator Ayres on a point of order. Senator Ayres: On relevance: the question was very straightforward. What is the impact on those 100,000 Australians' retirement incomes? The PRESIDENT: That was the conclusion of your question. The minister can be directly relevant while directly addressing the subject matter of any part of the Pacific Security Maritime Program question, including the preamble. I'm listening carefully but I think, with respect, the minister is being directly relevant to the question and the preamble. Senator CORMANN: I can't remember an occasion where I would have been more directly relevant to a question than this occasion, Mr President! I'm always directly relevant, of course, but I can't remember an occasion when I was more directly relevant than on this occasion, so that was a rather spurious point of order. Just to come to the second part of the question, as the good senator of course did acknowledge, these are younger Australians and younger Australians will be in the workforce longer and will have the opportunity to catch up in terms of their retirement savings, which is a very important point. But right now they are able to use their own money through a system that we put in place to deal with an unprecedented challenge in their personal circumstances, and Australians overwhelmingly have embraced this opportunity. The PRESIDENT: Senator Ayres, a supplementary question?