Now, as we know, if you're legally a resident, if you've lived in New Zealand for 10 years after the age of 20, including five years after you turn 50, you're eligible, regardless of where you've come from or how much you've contributed to New Zealand. And I take the point that others have made, but I do also want to push back a little bit on that, because, as I mentioned, it is universal, and so it's available to everyone here in New Zealand, regardless of how much they've contributed to New Zealand. So that is not the point upon which I'm arguing my support for this bill to select committee; instead, it is on the fact of sustainability. The point that I want to make there is that this Government resumed contributions to the New Zealand Superannuation Fund. The previous Government's failure to invest in the retirement plans of New Zealanders put those plans at risk, and the opportunity cost of that is $14 billion. So if the previous Government had actually invested at the rate they really should have, perhaps we wouldn't even have to have this debate at this point in time. 