Mr. Liam Sloyan:

This is an important opportunity to talk about the role of our office. Specifically, what we look at are individual complaints that we receive. We look at those complaints in the context of the circumstances of the individual who is applying. In a pension scheme situation, we would carefully consider the particular scheme rules that apply. Employment terms, contract terms or policy relating those matters are not a matter for us. What would be a matter for us would be if an individual had a complaint about the conduct of their pension provider that they could not resolve then they could take the complaint to us, including in respect of the types of matters that the Senator is talking about. On receipt of that complaint we would, of course, look at the specific circumstances that apply therein to the individual.