In the case of New Zealand superannuation, we're saying, "Hmm, we need to have a little bit of a think about that." New Zealand superannuation has a long, long history. It first started way back in 1898—the first version of an old-age pension was the means-tested pension. It was quite revolutionary in world terms at the time. It was means-tested, but the thought that we would support people in old age was a revolutionary concept, and one we should be proud of—that it should be State-supported. It was means-tested. By 1938, it became universal. I think that's something quite distinctive about New Zealand superannuation—it is universal. It doesn't matter what other income a person might earn. If they are age 65 in New Zealand, then they are entitled to New Zealand superannuation, no matter what else their circumstances are, except if you're a recent migrant to New Zealand.