Submitters have raised particular concerns with us. There is a risk that strengthening the retention money regime might actually impact on overall cash-flow for construction companies. While there is some concern that payment of retentions money can be an issue for businesses when they have a cash-flow crunch, in most cases retention money is actually a part of normal operating cash-flow for businesses. If you have a number of small subcontracts, for example, those contractors can often be paid out very, very quickly because the risk of a defect arising later in the works period is quite low. So there is a risk that actually having to put this money aside into a trust rather than being able to use it in the day-to-day running of the business but in a protected way can cause some problems.