The new financial year is upon us, and we're chatting with Natasha Panagis of the Institute of Financial Professionals Australia, resident subject matter expert on all matters Superannuation.  APRA super funds are out trying to educate their clients on what's in super including insurances, returns and contribution rules.  Are we really getting "qualified advisors", or more of the same unprofessional approach to industry qualifications.  All that and more, on Dollars & Making Sense, a weekly show about finance, money and investing.