Rt Hon JACINDA ARDERN: Firstly, I'll point out that this work started under the National Government in 2017, and if they were so oppositional to it, I don't quite understand why they didn't stop it being instigated in the first place. The second point is, even in the asking of the question you can see one of the issues here. This is on the application of GST service fees. The way the member has talked about this will lend people to believe that it is on individual contributions. That is not what it sought to do. Regardless of that, we were seeking to even up the playing field, because currently GST on services was already being applied to some funds and it was not for others. The sector has spoken and said that they do not believe it will enhance KiwiSaver arrangements, and so we will not proceed.