Since that time, we have had the collapse of quite a few organisations of significant size—and one of them was Ebert Construction. I was just looking at the kind of fallout from something like that, and the fallout as described by one person, Julian Oxborough, meant that his crane was frozen on the building site and that was costing him $70k a month, and he was owed $300,000. He had 135 staff. And it wasn't just him who was going to suffer in that circumstance: it was his entire business and his entire workplace. His workforce were the ones that were going to pay the price. 