I guess, today—well I know today that I also feel lucky. I feel lucky that I live in a lucky country. I feel lucky that I was born into a lucky country and whatever your views or beliefs are, somehow I ended up being born in New Zealand. This place looks after people and does its best—and we always have more to do, I know. But about 20 years ago, I was visiting Eastern Europe and I was over there for some work. I discovered, as a younger person who hadn't travelled, just the challenges that other parts of the world face. And when we look at this piece of legislation and we look around superannuation and retirement here in New Zealand, we realise, and I realise, that in other parts of the world, like where I was in Eastern Europe, there were elderly people selling cigarettes and selling sunflower seeds on the side of the road. I asked one of my interpreters around this and they said, "Well, we don't have a pension like you do in New Zealand." Once they stop work, if they even worked, or whatever was going on in their lives, they have to find ways and means to live and survive these things. And so, yeah, it was a really humbling experience, actually, to experience what life is like for others, how hard it is, and that's why I feel lucky. I feel blessed to be in a place like this where we can do the right thing by our people.