Finally, I want to talk on another really positive point and that is the set of changes made in this bill in respect of people with congenital conditions being able to access their KiwiSaver funds earlier than would be normal. This is an important issue; there's consensus about this. I don't want to be churlish about it, but I want to be very clear about the process that unfolded. It started unfolding when I was the chair of the Finance and Expenditure Committee. Mr Fairhall came and gave a very good submission on this issue, and there was quite a bit of public interest in it, and I think everyone took the point. That was at the time of the previous taxation and remedial matters bill, probably about this time last year. 