I think we've already heard some commentary around debt hibernation and safe harbour, and a number of submissions where they gave real examples of what that would look like. I want to read just a couple of sentences from one that caught my imagination that I thought summarised the debt hibernation and the safe harbour—I thought it encapsulated it quite well. The submitter said, once they gave their example of suffering under coronavirus, "This is where the hibernation scheme and the safe harbour provisions intersect. The safe harbour provisions provide confidence to directors that they can continue in an attempt to salvage their business without the potential for personal loss if they were to fail in their endeavours. That confidence means they can proceed to put together an arrangement that … be considered by creditors in an endeavour to find a way of restructuring debt." I think this is exactly the purpose of the debt hibernation and safe harbour.