Gemma Dale

You've had 10 years in the workforce, peak childbearing, $55,500-ish average for men.

46 and a half average for women.

So you are already at a 20% gap at 30 to 34 years of age.

The median 41 versus 36.

So again, you've got these gaps and they're there and they're meaningful.

So that's broadly correct.

I mean, the vast majority of people get their superannuation from their employer and its employer contributions over time.

There are always...

anomalous scenarios from people who make personal contributions and who do other things to build up their balance over time.

The big anomaly for women is time out of the workforce.

And you talked about the women who were sort of never in the paid workforce.

Let's not pretend you're not working.

If you're home with kids, you absolutely are.

But it's not the paid work

Exactly.

But there's also the career breaks, which have two impacts.

One is you're not getting superannuation unless you have a generous employer during that period.

And some employers, my owners included, will pay superannuation for the entire time you're on maternity leave.

So that's

great if you happen to work for one of those employers.