I just had a specific question for the Minister around clause 168B, and this inserts new section 183ABA. I wondered if the Minister could be a bit more specific about what this particular change for the remission in circumstances of emergency event is. Because if I went back to look at the previous law and how it reads, it appears as though this is for a particular case where, if an emergency event has been declared in an Order in Council, and a person is unable to physically make the payment, it appears that the word "physically" may be quite important. But under this new change, the physical element of being prevented from making a payment has disappeared. I wondered whether that was for a specific reason. Is it because instead of it being an emergency event such as like a landslip or someone physically being unable to make a payment in that way, whether there was any other type of emergency events that this is supposed to capture?