Also, while I've got a bit more time to ask a further question: the basis for the amounts of $5 or 2 percent of the outstanding amount, whichever is the greater. There are relatively small amounts involved, and I don't mean to trivialise that for families for whom that's difficult. But, nevertheless, it would be good to place on the record—of course, without the benefit of a select committee process for the explanation thereof—in particular considering that that explanation doesn't appear to occur within the legislative statement. So if the Minister could help me out on all those points, that would be much appreciated.