Also, where we know that in the unfortunate event of a receivership or a liquidation as well, this bill, with the retention held out separately, actually makes life a lot easier. We know that often going into liquidation, many lawyers, many advisers, and also accountants and liquidators all come into this, but to make sure that there is a separate account for that retention makes the money going to the smaller businesses a lot faster, because we know that cash flow is really important for small businesses. They don't have a lot of liquidity to wait for years and years and years until the lawyer's gone to court, until there's a proper ruling by a judge. We know that these small businesses need the money here and now. They need to make sure they pay their employees. They need to make sure they put food on the table for their children.