The universality of it, I think it's exceptional in New Zealand, and while it's not means-tested—it is means-tested to some extent by the tax department, or the Inland Revenue, and so I'd make that point. But I just want to stick up for the superannuitants and what's going on in New Zealand with the largesse of this current Government at the moment. If you look at superannuitants, I think some of us got a $15 a fortnight pay rise a little while ago, but we've seen much larger pay rises—and I've got no issue with the minimum wage, but we've seen much larger pay rises with respect to the minimum wage, the benefits, and those sort of things. Effectively, it's left superannuitants, of whom almost 50 percent rely entirely on the superannuation to keep them alive at a time when we've got fixed costs dramatically rising for those people on fixed incomes—I think they are challenged by that. 