I also just want to talk about, too, that New Zealand, the way our labour market has been structured, has one of the highest rates of turnover between paid work and unemployment in the OECD. There's only two countries with a higher rate of turnover than us, and those countries have put in place strong social security systems to acknowledge that it is not the individual's fault, and that, actually, the system needs, if they're building that process, to support people with the impacts of it. We urgently need to change our welfare system. The Welfare Expert Advisory Group—which comprises business leaders, community leaders, economists, and people who'd had experience of the system—told us that we needed to do that urgently, that the current system is putting people in the level of financial support that is now so low that too many New Zealanders are living in desperate situations. Urgent and fundamental change is needed.