For the Minister to just sit there and say, "Oh, well, the banks didn't contact us." isn't really good enough. It is an issue. Early childhood centres and the council have told us it's an issue. The banks have told us it's an issue. We cannot have a clause in the bill that says that the Minister can change his mind at any time that he thinks fit, because no one will lend to me on that, and my Supplementary Order Paper just makes it clear that if the officials have said that it's to be driven by the applicant, then it should be.