Greg Smith

Shouldn't take 20 years to do that either.

Shouldn't take 20 years to get to six plus six.

should be at a reasonable cadence, presumably the economy can afford.

Yes, considerations in terms of employers and the impact there on businesses and that aspect would have to be looked at.

But yeah, that conversation is not going to go away.

Obviously, they're also the ones about more recently about certain politician raising about enrolling all children from birth and then

Again, worthy of a conversation, and certainly I'm sure those calls will head up into the election.

Yeah, we're really super stoked by that journey.

And yeah, the tribe sort of continues to build, which is amazing.

But yeah, advice is a central part of that journey.

So over 90% of our members came through advisors.

So that's probably one of the highest, if not the highest.

And that, you know,

typically fosters better outcomes.

And there's been all sorts of studies, not just in New Zealand, but elsewhere, about the value of advice.

It was the Financial Services Council in 2020 that people who had had advice had 52% more in their KiwiSaver on average.

So it's huge.

There's no denying it.

And then if you look offshore, there's all sorts of studies in countries as well.

The other key thing about it as well, we're in a fairly unique position in New Zealand that it's accessible.