I would just note, in terms of the ideas of affordability and the idea that it's not fair that people may not have contributed for so long, that they may be New Zealand - born citizens who have been working overseas, and then they come back in their later years. I think a lot of New Zealanders actually stay in contact now and operate globally. They may be living in the UK and be involved, being on boards even, or providing advice to groups here in New Zealand, or being very active in their whānau on Zoom or whatever other technology. Just because somebody isn't based in this country does not mean they're not contributing or involved. I think the world now is quite different from how it was; in the sense that you have to be here for 20 years before being be able to access superannuation, regardless of your birth or your sense of connection and involvement in our community, doesn't make sense to me on the face of it.