Mike Gilligan- from science in Canberra in the sixties, to England and a PhD igniting rocket propellants. Back in Australia he moved into operations research in defence. He led the defence analytical unit, fusing science and economics. More change followed in the 1990s, into risk in finance, as investment strategy adviser to the nation's largest super funds. Over a decade ago, he became curious about the contradictions in the nation's then new super system and, amazed that nobody else was, set about researching this lifelong risk which most Australians bear.