But, as has been said, striking an equitable balance is equally as important. And whilst we can pitch this as part of managing ongoing costs—and the reduction in the cost of superannuation by this is not insignificant; it's hundreds of millions of dollars over the life of it—I think the more important point is to make sure that we have a framework where people coming to New Zealand, essentially, understand that they can't walk in at a relatively late stage and get all the benefits of people that have been in New Zealand, contributing to society in all kinds of ways for pretty much their whole life. 