Rt Hon JACINDA ARDERN: KiwiSaver is not for the purposes of being able to draw down at any time. We must support New Zealanders to have a good standard of living in their retirement. That means supporting them to hang on to their KiwiSaver for their retirement, and we see it as our role to provide other ways, through other mechanisms, like the Flexi-wage, like business start-up support, and that already exists.