The one egregious thing in this piece of legislation that we tried desperately to fix but is still in there in the final bill is new section 17A(2), inserted by clause 5B, where the Minister may at any time impose new conditions on the approval or amend or revoke any existing conditions. Let me make clear to this House and those people listening what that means. That means the Minister can grant a licence to a provider. They can go away and start building, start the process, and then the Minister can turn around under this and say, "Actually, I've decided to reduce the number of licence places you can have.", or "I've decided that you can't do this and you must do this.", in the middle of a build. The question we put to officials and we put to the Minister was "What bank will lend on this?" And the Minister said, "Well, banks haven't come to us. They haven't mentioned anything." My question back to him was "Well, did you go to any banks and ask? Because we did, and they clearly told us that this is a problem." The Early Childhood Council said this is a problem. If we are trying to make sure that people can get set up with early childhood centres, they have to have finance, and under this bill, it's going to make it very difficult for them to get it.