Now, I move forward to the document we're discussing today, or the background to it: He Tirohanga Mokopuna 2021. As the previous speaker has said, it does make some quite ominous reading, because, on sitting and reading this document, it outlays many scenarios. It looks at the demographics to come, it looks at the income to come, and it looks like the state of the world. Taken alone, you could walk away and you could actually end up thinking the way I was thinking in March 2020, which was that "Yes, we're were in real trouble here." Actually, we've now run an overlay of this—run an overlay of this—of people. 