So the question I have for the Minister and for officials is: given that we had to do that, what incentives are in there for other creditors to agree to sign up to a business debt hibernation arrangement? Is it not likely that on the premise that a bird in the hand is worth more than two in the bush, in actual fact, too many of them might say, "Well, I'm in a precarious position here—or I will be left so—so it's better for me to actually prevent this if I can and take what I can get now rather than to risk the GSA holder taking an enforcement action during the period and me potentially being left in a worse situation than I am on day zero."?