So what that means right now: New Zealand super costs in 2018 were about $14 billion. It was about 17 percent of Crown expenses. So 17 percent of all the Government spending is going into New Zealand super, and what we will see over time is a rapid escalation. And it's highly likely, if you start doing financial projections for the Crown accounts, that the costs of New Zealand super and health costs—health being the highest-value item at the moment; about $21 billion we spend on health—those two factors are likely to lead to a situation where they will probably account for about half of Government spending in the years to come, unless there is reform of New Zealand super. And I think the issue is, how do you realistically deal with those costs? And I'm not—and I don't want anyone to anticipate that I am—proposing that we deal with super in any way other than what this bill talks about, what we're going to talk about tonight. I'm not suggesting that those costs mean that we have to take other decisions. This bill is an important element in basically trying to level off that escalation in price or cost that the Government's going to have to incur in years to come. 