I spoke at the first reading on some of the fantastic things that this bill does, and, in particular, for people overseas on student loans and so on. I just wanted to highlight some of the things around KiwiSaver changes and the changes that have come through in the Finance and Expenditure Committee, because most of the speeches tonight were on the principles of the bill rather than on the changes that occurred during the select committee, and there have been a few. But in order to speak to those, I think it's worth just remembering some of the key things that the proposed law does, the most significant of which is related to ensuring that with the prescribed investor rates, people actually get the one that they're supposed to get, and that's a really key function of this bill. 