There is one very important point in it, though, that actually needs to be looked at, and if the Minister doesn't have an SOP drafted on this, he must, because it actually is going to be of great challenge. One of the things he said in the legislation is that it's not to focus on smaller businesses, and he's defined this by way of contract. But one of the challenges that he has is looking at the value of smaller contracts. If you look at the insurance industry, actually there can be a contract for underwriting insurance companies which is a very large amount that has no impact on the consumer, because actually it's not the value in the same way as it would be if somebody purchases something from somebody else. It is just a contract in the case there would be a problem, and the entire insurance industry will have to go and have a look at what it is they're doing, and they're considering what the rules are and how this will affect them. There will be great uncertainty, which adds to cost.