So what this bill does is it clarifies and strengthens the retention money regime as indicated in the Construction Contracts Act. What it does is it actually builds trust and confidence in the system for the sector, and it adds some clarity as well. As I said, the retention moneys scheme is voluntary when it's held, but this bill indicates that it must be held in trust by the head contractor for the benefit of the subcontractors. So it's very clear about how that's held, whether that's held in a separate account, or by some other mechanism which may be insurance. Under the current regime, there have been situations, as I've said, where contractors have used this as working capital, and that's problematic because it becomes kind of comingled with other capital that the head contractors have, and it exposes our subbies to the risk that they will not be paid for work done. It is particularly relevant when a head contractor becomes insolvent and they are unable to pay out the retention money to that subbie. 