I would say that in New Zealand right now, a risk we want to see people taking is taking the risk to go and commit to large-scale construction contracts, particularly where they relate to housing. I would put to you that many of these projects have been held back by the corrosive impact that collapsing construction projects have had on people's confidence in our construction pipeline. That has eroded the desire of many to get into the construction industry, to be their own subcontracting business, to commit to large-scale projects. So wherever possible, we need to address those issues. 