Before we start, can you tell me what exactly ASP Services is, and what you do? ASP Services, or ASFA Superannuation Practitioners Services, is a member-based organisation with eleven members. Our aim is to improve efficiency in Australia’s superannuation ecosystem, by bringing competitors together to collaborate where competition doesn’t make sense like implementing data standards and regulatory change. And this was ASP Services’ role in the early release of super implementation. In the highly-interconnected superannuation ecosystem, without collaboration, there can be no efficiency. ASP Services is sector-agnostic, and we do not concern ourselves with either policy or regulation, our role...