We're coming into a 20-year time frame, and we're excluding the groups that are truly vulnerable or that are necessary for us to protect. Hence the exclusion of the Realm countries, and hence the exclusion of refugees, because refugees—as Mr Bayly pointed out, and I think Mr Woodhouse just pointed out—are a very special category of New Zealander. They come in without very much choice and with a lot of devastation, and they come in with nothing, quite often. So it's very, very important that we extend to them a different kind of security from that of somebody who comes into the country and who can plan how they do that and actually know what they're in for when they come in. So that's the difference in scheme. It's very much a matter of choice and fairness, and it is a very important balancing act that we have here, because this is a system that is fragile and it is expensive and it is a really good scheme, and we should actually respect that. 