PENNY SIMMONDS: Thank you, good. Everyone is awake! So in the midst of hearing a number of these very harrowing stories, you get very immersed in it, but one young woman told us of the situation where her partner went to rugby practice, and, at rugby practice, he pulled his hamstring. He then went to the doctor or went to his physio, was able to straight away go through to physio through ACC, yet this poor woman, as a mother who had suffered significant pelvic floor injuries, wasn't covered, had been trying to get cover to be able to go to physio, couldn't afford to pay to go to physio, and it was obviously impacting on her quality of life, her ability to care for her children, and was likely going to have ongoing impacts for her. All of a sudden, the nonsensicalness of this situation was very, very clear: that you could pull your hamstring in rugby and straight away be covered for physio through ACC, but go through a traumatic birth experience, get a significant injury, and not be able to get cover. Immediately it was obvious that changes needed to occur. I think that speaks to some of the equity issues that the Minister commented on earlier.