Mm-hmm.

Um, and really AMP's been around for 177 years, and right from our foundation, um, as a charitable organization helping widows and orphans, uh, right back then and, and helping the poorest people in society, um, basically be able to live better, morphed into an insurance company, now is predominantly a superannuation business.

Um, we run a platform and a super business, and my super fund, um, has people or members that are spread right across the Australian demographic, and what we're trying to do is help those average Australians have a better outcome.

And where we think we are really making a big difference there is in the innovative post-retirement offers that, that we give those people.

Um, so we've just launched a lifetime pension, and what we're really trying to do is create the modern defined benefit for the average Australian.

So a combination of the age pension, their account-based pension, and a lifetime, flexible lifetime income stream along the lines of the variable annuities we know so much about from the States.

Um, we think...

Mm-hmm.