The essence of it—and we've heard this already—is we know that this bill is to increase the minimum residency qualification for New Zealand superannuation, taking it from, as we know, the current 10 years to 20 years. Currently, a resident of 10 years is entitled to full New Zealand superannuation, and that's without any requirement to do any kind of financial contribution. And we also know, and we've heard it as well, that, globally, 10 years is quite a short time frame in terms of residency to be able to access full entitlements. Increasing the residency requirements for New Zealand superannuation is about fairness and it is about improving fairness between the long and shorter residencies here in New Zealand. And it also does safeguard the future of superannuation for New Zealanders. 