See, we teach our children in New Zealand something like this: go to school, listen to your teacher, get home, do your homework, learn, work hard—be nice, in other words—and if you do all that and you do well in your exams, you might get skills that turn into qualifications, and those qualifications can turn to higher learning. If you borrow money and get a student loan and upskill yourself, that can turn into a job, and if you get a job you can get a career, and if you get a career, you can earn money. Then, if you put some aside and save it and invest it carefully, eventually, you can end up comfortable in this country. 