Mr Bayly wants to manage risk in a different way by setting up a capital and financial risk management framework through a process that we've covered in earlier interventions that I don't actually necessarily think will achieve what he wants it to do. I think that we can have confidence that the arrangements we've got in place in the bill can protect us in the situation as Mr Brownlee has raised, and, indeed, we have managed it through a similar process and the indemnity process. So I don't believe that we are adding great value by the proposal that Mr Bayly has put in place, but I respect and understand it. 