Mr BOWEN (McMahon) (15:01): My question is to the Deputy Prime Minister. I refer the Deputy Prime Minister to his previous answer and I also refer him to comments by the CEO of the Council on the Ageing Australia, Ian Yates, about the government's watering down of important consumer protections: Independent legal and professional advice confirms that these regulations are against the best interests of Australian consumers. … … … This issue has been second only to pension cuts in recent representations to us by COTA members … Why is the government making it harder for older Australians to save for their retirement?