Senator GALLAGHER (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) (14:01): The government has made clear that this is the only change to superannuation taxation during this term. This change won't actually come into effect until after the next election, which is something those opposite, who are dying in a ditch on this issue, don't take into account. We have made a very modest change— Senator Birmingham interjecting— Senator GALLAGHER: I have already answered the question, Senator Birmingham, if you were listening. The PRESIDENT: Order! Senator Birmingham: A point of order on relevance. I've been attempting to listen carefully to Senator Gallagher. Her response to what is a prospective question about the government ruling out any further changes appears to be hinging on the change they are currently making. I invite you to draw Senator Gallagher to the question about the government clearly ruling out any further changes affecting self-managed superannuation funds. The PRESIDENT: I have been listening, and I believe that the minister is being relevant. I'll invite her to continue. Senator GALLAGHER: If you had listened, I said very clearly that the government has made it clear that this is the only change to superannuation taxation arrangements that we are making this term. This one won't come into effect until after the next election. We have been clear about that. This is a very modest change to a very small number of people who are fortunate enough to have $3 million in their superannuation account. The PRESIDENT: Senator Payne, second supplementary.