The current arrangements are that you need to be a New Zealand citizen and you need to be aged 65 years or older, and that you also need to have lived here for a minimum of 10 years, five of which must be from the years that you turned 50. And so there's that double test—10 years, but five over the years of 50. If you meet that threshold, under a single entitlement currently it's worth about $403 a week, or about $21,000 per individual, or if you're in a couple arrangement, $672—on an annual basis, about $35,000. One of the most revealing issues about this is how generous New Zealand super is in terms of entitlement. We're one of the few countries in the world where you only need to have 10 years of entitlement. New Zealand and Australia are the two countries with the lowest entitlement. The average in the OECD is 26 years to be entitled to super. And I think this is one of the reasons why the previous Retirement Commissioner had a view that we should, and she did recommend that we should, be increasing the period of entitlement from 10 to 25 years—in this bill we only increase it to 20 years—but she also said that we should reduce the five-year test from age 50 onwards. So that was her recommendation, and New Zealand National actually proposed that we reduce the value of this quite some time ago.