So what you have is organisations that are incredibly administratively heavy and quite expensive, and so it is critical that the sector also includes private sector providers and not-for-profit providers to keep the institutions themselves on their toes and to drive down costs so that students are not overburdened with debt going into their lives. And, of course, it plugs into the wider housing affordability issue, which I think is one of the critical issues facing this country at the moment. And there has been an explosion in growth in the development of particularly institutional tertiary education - provided housing and accommodation over the last few years, driven primarily by the very shortage of supply of housing in our cities—particularly in Auckland—and the cost therein. That is, of course, a much broader discussion, but it is an essential context to what we're talking about here.