Joe Farrugia: The focus of course would be different wouldn’t it, because you’re not talking about competition there. We’re talking about need. You don’t want to worry about retail versus wholesale. You’re really talking about there is a need out there, you should be aware of the coverage requirements and go from there. And I think it would work.
Mario de Bono: We have a lot of enquiries potentially about people wanting to increase cover, but I think once the underwriting process starts I think you’ll find that a large percentage of those people actually drop out. Have we done any investigation as to…the people we do actually obtain information from, additional information. What percentage of those people do we actually accept, and what percentage do we actually decline? Now if we’re finding that we’re accepting most of them, perhaps some more targeted questions which will identify those people that we need to go to the next stage to, is more important, so that we don’t actually put everyone through the whole process, right. We only concentrate on that 5% that we really need to investigate further.
Geoff Brooks: You get the person to the line with good communications or whatever and then you kill them with the process.
Frances Magill: The industry do the public a disservice because we actually don’t set the right expectations when signing them up. There’s too much fine detail. It’s not understood which results in mistrust of the system.
John Jones: There’s another layer as far as we’re concerned and most other funds around the table, and that’s the administration. The administrator and the link between the administrator, the fund, and the underwriter is an important one to get right, and then where the greatest level of difference can be made. One of the successful things that we’ve done with SuperPartners is to build a dedicated team as part of our fund team that’s removed from the rest of SuperPartners insurance and claims administration. There’s a very much closer working relationship between that group and the MetLife team in Sydney. And it just works because they’re communicating with each other, and when there’s an issue people can talk about it and get it resolved, instead of the member being dislocated from the whole process.
Amanda White: Tassin just back to your wish list before and the advice you gave to funds to go to their providers. I mean is that realistic or is it just that, a wish list?