Hon CHRIS HIPKINS: Yes, I am concerned about that, and it is quite a complex situation. In some cases, those accommodation providers are the universities themselves, the tertiary providers themselves. In other cases, they're third-party providers that are contracted to the universities, and then in other cases, they're entirely private operations. So it's quite a complex set of arrangements. The living arrangements themselves are also different. For example, in some cases, students are renting a room in a hostel or a hall of residence. In other cases, they might be renting a room in an apartment. So it's quite a complex sector. Some of the providers there are accessing the wage subsidy and continuing to charge students their full room rent during that time, which I find utterly unacceptable.