I just want to add one point, with respect to superannuitants: most of us were too late for KiwiSaver, and I think KiwiSaver's the best thing that's ever happened to us. I'm, of course, old enough to remember a particular Prime Minister getting rid of the superannuation schemes that were started by a previous Government, and I was actually a member of that—I wish I'd kept my superannuation, I probably would have been quite well off now. So it is a bit of a challenge, and I think that we need to be very careful how we manage that, going forward. 