One area that I think we really do need to keep an eye on is injuries to the babies themselves. I remain uncomfortable at the possibility—and the difficulty, actually—in understanding whether a baby born with a severe, often neurological injury or condition is actually as a consequence of the birthing injury, and the arbitrary distinction between when does a person get cover and when does a person exist. I think that when you're in labour, you've got a human being that's about to come out and can be injured in the process. I think we need to look very closely at that, and I understand ACC's reticence around that. Some are covered, but those are lifelong conditions that can be extremely expensive, and I'm not sure that we've actually captured all the injuries to babies that we could or should. 