I do just want to trace back the background to this retentions regime because, of course, legislation to protect the rights of subcontractors in relation to retention money was first passed in 2015, and it was at that point led by the Minister for Building and Housing, the Hon Dr Nick Smith. So if you'll forgive me, the metaphor, if the Hon Poto Williams is the renovator of this regime, it is the Hon Dr Nick Smith who is its original architect, who saw the need to make these protections for subcontractors. That occurred after the collapse of Mainzeal, and what we saw at that time was subcontractors not being able to access the money that was retained for their later payment. So the Minister at that time saw the need to introduce a layer of protection to ensure that if companies became insolvent or went into liquidation, then their subcontractors were able to be paid. 