I'd also like to note at this point that there are a significant number of New Zealanders who work in highly stressful or highly physical jobs who have lower than average life expectancies. I've seen that firsthand in the prison service, where a number of corrections officers who my dad worked with, who I knew growing up through my childhood, passed away before they reached the age of retirement, before they were old enough to collect their first pension payment, yet most, if not all of them, had contributed to the superannuation scheme for the vast majority of their working lives. My dad was 54 when he died after working in the prison service for over 30 years and prior to that he worked in the forestry service. So for close to 40 years, he paid his taxes; he contributed to our economy, to our communities, and to the superannuation scheme; yet he did not receive any benefits from it. 