He referred to "baking in"—whatever that phrase means, it sounded like it was half-baked in terms of his analysis. And then he had the audacity to talk about the debt. Well, the global financial crisis found them with $10 billion in Crown debt, and they took it to what? To $82 billion—$82 billion. [Interruption] And the member for Epsom says, "So what?" So you don't understand; that's what. Never had a business, never had a company mortgage, never had a business mortgage—