I think it's worth noting that one of the generally accepted advantages of the ACC scheme is that we bypass much that would otherwise be required by recourse to the courts. Avoiding expensive litigation is generally a good thing, provided that there is not a gap in the ability of an individual or other person to obtain justice. I would be remiss if I were not to mention a number of constituent cases that have come to me in my capacity as a local member of Parliament—and no doubt every other member of Parliament, whether electorate or list, who in this Chamber now or in the past has received contact from constituents, pointing out difficulties that they've had with the scheme.