So that's why it's so very important in the first instance to make sure that these developers and early childhood centres have access to funding more so than they do now, because they know very well that as long as they meet the criteria, they will get their licence, and if they muck up something, then they can go and fix it and come back and reapply and get their licence. It is much more of a guarantee than under this new legislation. That is why I brought the SOP, because it has been brought to our attention by the banks. I did ask the banks to come to the select committee and they refused because they said they don't normally get involved in this type of thing. But I think it's very telling that the Minister and the officials didn't go to the banks themselves when I raised this with them and said this is going to be a problem.