You see, Senator Bragg believes that the status quo on all fronts is working. We can see that because he, along with his coalition colleagues, has consistently voted no to all change. Senator Gallagher reminds me that you voted against changes to superannuation. You propose to vote against tax cuts. You don't want to listen to what Mr Murray said or what the Council of Financial Regulators said, because you just defend the status quo. That is what you think is the way forward. We don't. We think change is necessary, and we look forward to the passage of legislation tomorrow, which will be good for Australians. (Time expired)