So, I think, we go back to the ag sector—how is that going to affect the ag sector with the banks when they are lending money to the ag sector? I think they'll be very engaged at the moment with the way the emissions trading scheme is performing. Given that Keith Woodford, who is a former professor from Lincoln University, has written a really interesting article. He says that we are on the cusp of the greatest land-use change in 100 years. Does that mean the banks therefore have to assess that as part of their risk in their lending in the agricultural sector? Will they, for example, not fund the expansion of a sheep and beef property, buying a neighbouring property for sheep and beef, but they will, perhaps, have a lower risk rating for someone who is buying the neighbouring property for carbon farming? These are quite serious and perverse effects that are potentially ahead for them, but they're going to do that anyway, this bill is not going to make any difference.