It's interesting; in terms of the dates when this legislation first came in, I think someone previously mentioned it was to be a fairly blunt introduction that would have seen a lot of people, their plans for superannuation, through no fault of their own, left waiting up to 20 years until they got the pension. You can imagine that for someone who arrived from somewhere like South Africa, somewhere like Sri Lanka and many other places—China—actually, part of their planning was that New Zealand superannuation would be payable to them. So take that out of the equation for 20 years—quite rightly we heard some quite emotional people at select committee. That really was going to impact the latter years of their life.