STUART SMITH (National—Kaikōura): So I'll have another go. So if we imagine building a house and there's a subcontractor that has done the substructures and the builder who's building the structure above the substructure has a dispute on a contract and then the substructure collapses and you get a third party. The penalty clause goes into the builder, it takes the builder over $250,000, and then they are not able to claim under this law. So have another go, Minister, because I think you've missed the point and it seems like this is why we need a much more fulsome process to get these things through because clearly this hasn't been teased out in the select committee process. So I think there's a lot more thought needs to go into this because this will turn into a shoddy bit of law and we'll end up with people being significantly disadvantaged from it. Exactly the people this bill seeks to serve will be the ones that are served very badly by it. So I think a lot more thought needs to go into this.