Those covered by this need confidence that the fund itself has solid oversight and cannot be tapped into inappropriately, and that running costs do not get out of hand given they rely on that fund. Overall change is needed because there has been too much inefficiency and too much heartache, but we should always be mindful that there needs to be sufficient or substantial justification for Government intervention in a market, and when there is, for the State to not get carried away, because when it does that, that is when unintended consequences come along—or very foreseeable ones, in many cases—and we have to come back here and fix things. 