Sadly, in the past, there has been a number of cases where contractors have used retention money as working capital. If the contractor goes bankrupt, the subcontractor loses out on getting refunded their retention. And again, close to home there's an example of Stanley Group, an organisation that was based on Auckland's North Shore. In that particular example, Stanley Group had been liquidated—an Auckland and Waikato building company. The companies were placed into liquidation on the Thursday after a vote by shareholders—as quick as that, which I found out at the Companies Office. The business at that time had about 100 staff, had three projects underway, Housing New Zealand, in Māngere, Hamilton, and Whakatāne. And what we found in that was the creditor's business would likely be owed; about $150,000 is what they found themselves short. Another director and creditor found himself short, being owed about $250,000. So that's the liability that sits on our subbies—our subcontractors—that we're asking them to carry on a gentleman's handshake when we need them to have confidence to gear up, build, build, build in this particular industry. So that's a hard ask.