But it does give a really easy to read background. It covers Mainzeal as well—the other biggie—but makes some notes when it references to them, and it mentions this in the bill that the money was often used as interest-free working capital by the main contractor. "The subcontractors' interests in the retentions were unsecured.", and then, "In the event of the main contractor's insolvency, the prospects of recovery were grim." We've heard those stories here this afternoon. Interestingly, the "subcontractors' options for confronting such issues during pre-contractual negotiations were (and are) limited due to their relatively weak bargaining position. The system was always perceived as deeply unsatisfactory". We've heard stories today—my colleagues from Auckland Central and Ōtaki talk about the exposure to subcontractors to an unacceptably high level, and then it talks about Mainzeal. So I think that provides a good basis to do something, and that was looked at five, six, seven years ago. So it's been a long time coming. 