I will relate the experience of two very good colleagues of mine, one of whom was a rather large contractor who was in recent years caught out by the collapse of one of the businesses mentioned by the Minister for Building and Construction in her introduction. Essentially, his retention money was going to be the final payment that would actually allow him to get out of the contract with the business intact, and, of course, when the company went broke, he was, essentially, looking down the barrel of going broke himself because the chain of payments was going to be somewhat interrupted. He had thought he had the protection of the Construction Contracts Act, which had been brought in in—sorry, the bill that had been brought in in 2017. However, it turned out that he was just another unsecured creditor in getting his retention money. Another contractor whom I'm aware of avoided ever going into business or taking a contract which required him to leave retention money in for fear of the same thing. 