Senator TAMBLING (11:54 AM) —Senator Harradine is focusing very clearly on the group which he has identified as having particular and special needs. This also needs to be considered in the context of other members of the funds and the effects the proposal would have on them, particularly with regard to the consequential flow-on that would necessarily have to be borne by the fund generally as well as the particular members of the fund. The fact that increased premiums for insurance would be inevitable, and could be substantial, does need to tax our attention very carefully. There is the debate between the issue of the pre-existing ailment and how that affects the other members of the fund and their conditions and also the effect that Senator Harradine's amendments, unamended, would have on the economic impact of all members of funds. It would have the effect of increasing premiums very substantially.