The Financial Sector Inquiry will no doubt look at this issue.   The incentives for innovation that we establish through the tax system.   The way we support human capital accumulation and research.   Our business culture and the way we promote and support entrepreneurship.
  The way in which we promote competition in our markets, for it is often competition, or the threat of it, that is the driver of innovation. These are all challenging areas to get right and they should all be on our collective radar screen if we are to maintain and strengthen the culture of innovation in an ageing society.