One of the issues we do feel strongly about, and we agree with both sides of the House, is that the implementation period must not affect people's planning. It should be equitable. For people who are in the 60-plus age group, it shouldn't create any uncertainty. Therefore, we believe that a two- to five-year period is worthy of consideration. There's a worry that too many New Zealanders who are approaching retirement years are in poor financial shape, and we tend to agree with that. 