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) (14:42): We expect the regulator to do the job that they are charged with doing. They need to ensure that superannuation funds meet the highest standards of governance and act in the best interests of their members, and the independent regulator has the mandate to uphold these standards. Your question, and the fact that you have referred to APRA, shows that we have the system in place to manage concerns and, if complaints or cases are raised, then APRA should respond to them. That's the system that this parliament has put in place. APRA, I think, has a very strong reputation in enforcing and upholding those standards, and I have no doubt they will continue to do so.