Secondly, I've had correspondence with people who have said that they have been asked to give a full personal guarantee for loans, and they ask why is it that if the Government is covering 80 percent, they should have to guarantee more than 20 percent. They've subsequently been told—and I've heard from representatives of the Government—that, actually, the Government only will cover 80 percent if the bank has used all other avenues to recover the loan, including personal guarantees, at which point some people might ask "Well, what exactly is the point of the policy?", because it really, effectively, guarantees nothing. It's the last guarantee to be used, or at least that's how it appears. I hope the Minister can give an explanation. 