Why the need for the change at all? Well, I think we've actually had a few speakers today talk about the history of New Zealand, and it's probably a good idea just to contextualise this. New Zealand was one of the first countries to bring in an old-age pension, and it did that in 1898. It wasn't the kind of pension that we have here. It was a pension that was means-tested. People were very grateful for it and it kept a lot of people going in their old age, but in 1932, we introduced a universal superannuation system. That's a very special thing indeed, and it has been very much something that's been precarious, because it's an expensive system. But it means that New Zealanders can count on quite a generous entitlement when they retire, and we've heard today a slight baying for raising of the age of entitlement and that's because of the expense of it. We've also seen a time when we stopped contributing—under the National Government—to the Superannuation Fund. Again, that puts that fund very much in jeopardy, so it's our job and our duty to make sure that we're actually making this a feasible scheme for people. 