It was good to see so many of you at the recent ASFA Conference and I hope you found it entertaining, informative, occasionally confronting, but above all thought-provoking. Now that Conference is over we look ahead to a Retirement Income Review, the release of APRA’s heatmaps, and the procession of legislation arising from the Royal Commission’s recommendations. Looking at all of this, and not forgetting all the other recent reviews and inquiries, you could be forgiven for concluding that the Australian retirement system was in a terrible condition and desperately in need of rescue. But of course, this is not...