He says, 'I am going to put the grey army out there, laying the bricks and laying the carpets when they have worked hard their whole lives.' The member for Kooyong says, 'No, no. You are going to work until you are 70, longer than any other developed country in the world, and then we are going to give you less of the age pension when you retire.' There is a better way than that. You can invest in the future. You can invest in people's own retirement incomes through superannuation.

Mr Frydenberg interjecting—