If I could make a few opening points about New Zealand superannuation: it is, by comparison with the rest of the world, a very, very generous scheme. It is universal. It's not means tested in any way. I do recall, going back perhaps 30 years, two Governments had a go at thinking about it, with a fair reaction—an electoral reaction—that was suggesting it's dangerous to ever consider means testing superannuation. But when you consider it's available universally at 65 years of age, it is a generous scheme, and frankly—[Interruption]