Hon GRANT ROBERTSON (Minister of Finance): In addition to the question of interest-free and the normal write-off provisions that you would have with any loan scheme, there's obviously also—and we can get a little bit more information to the member around this, around the use-of-money cost to the Government. So, when Treasury look at this, they always look at what else the money could be used for at a particular time and how that affects the Government's overall expenditure. So I can get him more detail, but it is the nature of a loan scheme given out this way. We have to put into the books a fair-value write-down. It's certainly not something that the Minister of Finance does; it's something that Treasury do. It is their professional judgment, and the Inland Revenue Department—it is their professional judgment—that leads them to do this. I think what we can all say with some confidence now is it is highly unlikely that that will be the amount of money that is written down, because the uptake of the loan does not appear to go towards the levels that were projected. That's the nature of putting a scheme such as this in place.