I've got a couple of comments and then questions—it's sort of like the kind of question you get at a public meeting, which is a long statement followed by "Don't you reckon?" So in that spirit, I've got a couple of different lines of comment-question, and one is in relation to the different time frames and the different regimes that will apply in different quarters of this year and going into next year and beyond. The other line of questioning is in relation to the dollar amount at which the minimum family tax credit will kick in.