Rt Hon JACINDA ARDERN: The member will be aware that it did go through a process. The member will also be aware, by the release of that documentation alongside it, that it went through a consultation process. In the regulatory impact statement, you can see that there were some, of course, who viewed that this would be an advantageous change. There are others who viewed it would not be. We have seen a fairly clear response to an attempt by us to even up the playing field on KiwiSaver. Our view is that if this does anything to undermine KiwiSaver, it is something that we will not support.