STUART SMITH (National—Kaikōura): Thank you, Madam Chair, and thank you, Minister—you're giving a good go at these questions, anyway. But I want to go a little bit further on the contract and the $250,000, because I think it's a really important point. So I want you to imagine for a moment that there are contingencies in a contract and the contract is less than $250,000 and the contingencies actually take it over $250,000 at a later date. What happens then? Similarly, what happens if there are penalties in a contract? We all know there are significant penalties in contracts when certain clauses in the contract are not met, and that happens particularly in the building industry, lots of our other industries as well, and they could easily imagine the contract blowing out over the $250,000. I appreciate there'll have to be an arbitrary number, but I go back to the point that was made earlier when I first arose in this debate that actually a lot of business is carried out with very large transaction costs but very low actual margins and while $250,000 might sound like a lot of money, it could be a very small margin.