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) (14:03): We are upfront about the challenges we've inherited. We have made a very modest change to a small number of people with superannuation balances in excess of $3 million. The average superannuation balance on International Women's Day in this country for women is $140,000. Women retire with less savings in their super, they have less assets, they earn less, and you are— Opposition senators interjecting— The PRESIDENT: I'm waiting for quiet on my left. Minister, please continue. Senator GALLAGHER: I'm finished.