I do want to, before I turn to a couple of the specifics of the Act, just talk briefly about the context for the New Zealand construction sector, because what this bill is doing is responding to one problem, which is what contractors do with retentions. But actually it also, in doing so, highlights a larger problem, which is that we continue to find that, in that construction chain, we are having too many construction entities fall over, leading to the need for these kinds of regimes around how moneys are used, and I would put to you that that challenge with subcontractors not getting paid, with contractors not being able to follow through on contracts, has really eroded trust in our construction sector. It's really important, because a lot of what we see in the construction sector is people taking a bit of a risk, choosing to put their capital, their expertise, their time into a project. And wherever people are taking a risk, it is important that the law and policy actually supports them taking risks that we want to see taken. 