Senator GALLAG HER (Australian Capital Territory—Minister for the Public Service, Minister for Finance, Minister for Women, Manager of Government Business in the Senate and Vice-President of the Executive Council) (14:12): I think I got the gist of it. Superannuation— Senator Cash: It's not the gist, it's people's money! Senator McKenzie: Honestly, if you had been able to choose— Government senators interjecting— The PRESIDENT: Minister, please resume your seat. I'm going to wait until the interjections have stopped, from both sides of the chamber. Minister, please continue. Senator GALLAGHER: Thank you. Superannuation accounts are individual accounts owned by individual members, which are subject to taxation as they currently are. Superannuation currently has tax arrangements that apply to it. The change that we are making is for a very small amount of people who are fortunate enough to have more than $3 million in their accounts that they pay a concessional rate of 30 per cent on earnings over $3 million. It's a very modest change to the arrangements that have been put in place. As people in this place know, superannuation is based on individual accounts. The PRESIDENT: Senator Birmingham, on a point of order? Senator Birmingham: The minister spent 95 per cent of her answer responding to, really, the primary question still and the general thesis around the government's superannuation changes. On relevance: the supplementary question went specifically to the words of the Assistant Treasurer, which she should reject, that it is not a honeypot to be spread around the nation. The PRESIDENT: As I understand the question, it did have the honey definition in it. The senator was also asked directly if superannuation accounts were individual, so I believe she's being relevant, but I will continue to listen. Minister? You've finished. Senator Brockman, a second supplementary?