Is someone from the super industry, including Industry funds, able to explain why maintaining a percentage fee on 'large' (begging definition) accumulated super amounts, and on funds converted to private pensions, is justified. Does it take more business cost to transact a particular asset within the portfolio that has an investment of say, $35,000 compared to one which has the same asset invested at, for example, $3,500? Is this the elephant in the room? Why can't costs be capped? Are funds open to an accumulator or pensioner negotiating a change to his/her advantage with the super fund through, say, lowering the percentage, or establishing a capped amount?