The ACC scheme is, of course—well, purports to be comprehensive. I would argue that in fact, it's not, but let's, for argument's sake, say that it's designed to be a comprehensive, no-fault personal injury scheme. As such, I think that most people in this country would regard it as a useful mechanism for providing coverage for injuries that might take place to New Zealanders, roughly speaking, through no fault of anyone. Although, again, that's a contestable claim, for the sake of shorthand please allow it for the purpose of this bill. It does provide a large amount of power to the State. That's no bad thing in itself, so long as that power is exercised reasonably and in a manner that is justifiable, including by way of the ability for those who are affected by such decisions to have them reviewed. 