Carrie (aged 48) commenced employment with her current employer 26 years ago and has not had any other jobs. She is now ceasing her current employment to take up a new role with another organisation. Her superannuation statement from her current employer's superannuation fund details shows: $230,000 Preserved $12,000 Unrestricted non-preserved $900 Restricted non-preserved. 

How much can Carrie access when she ceases her current employment?