First, the rhetorical question: if this is long term and we don't have to panic today, at what point do we start doing small things differently regularly so that in 40 years' time we don't have debt at 200 percent of GDP? And the reality is that should already have started. And the previous National Government in the 2017 election campaign—in fact, the last two—started an honest conversation about what superannuation changes might be necessary and the small but direct changes to the eligibility criteria that would take the worst edges off the cost of superannuation in the next generation. And Jacinda Ardern agreed with the previous National Government when she was in Opposition. In fact, she thought we weren't doing enough. But when she became Prime Minister, she vowed to resign rather than make changes to superannuation policy. So here's a Government that says, "Oh, yes, we've got to take important action.", except they don't take important action. And when they do, it goes the other way.