I think the uncertainty, you know, as the point was made in the select committee, might encourage risk-averse behaviour. We can't really say with any certainty that the bill will do that. I think it is something that will have to be watched for, but, hopefully, that won't be the case. But people are people and they do funny things, and particularly when they're under pressure, as I've seen through my experience, anyway, dealing with the earthquake. 