We came to the judgment that the best way of supporting that was through a loan scheme. It's not any old loan scheme. It's interest-free for the first 12 months. No repayments are required for the first two years. It has an interest rate at 3 percent for a five-year term, which is more generous than one would find any bank offering. So it is a different loan, which, in part, helps answer the member's first question—which we covered last night—as to why the fair value write-down would be what it is. 