And so while I fully acknowledge that there still are some concerns about this proposal, I maintain that what is being proposed today is significantly better for the small rural councils than the status quo. They can't afford it. They won't be able to pay for the work that is needed. Ratepayers won't be able to afford it. Now, some may suggest that councils could borrow and pay that cost over a long period of time. Many councils can't. Many councils are already at the cap of their borrowing, and that is why this proposal is structured the way it is, because the new entities will be able to access borrowing that councils individually cannot, and it is sufficiently removed from their balance sheet to allow them to do so.