	 	participating	in	a	number	of	 consultations	regarding	the	 development	of	a	new	Comprehensive	 Retirement	Income	Product	(CIPR),	 which	we	believe	is	a	fundamental	 issue	that	must	be	considered	to	 ensure	appropriate	products	and	 regulatory	settings	cater	for	the	needs	 of	Australians	with	greater	longevity	 and	resulting	aged	care	needs.