The reality is, right now, the cost of borrowing for councils, just as it is for Government, is going to be at the lowest they've ever faced. The cost of borrowing is going to be low because if international lenders are looking for good horses to back right now, organisations backed up by taxpayers or ratepayers are good avenues for funding. So ratepayers should enjoy the benefits of that as well, and councils should be doing just like every other organisation out there is doing in this tough time: cutting back their costs. It's not good enough for a local authority simply to say "Well, we have to put up the rates because we have no other way." Well, there is another way. The other way is to look at their balance sheets, look at their budgets, and look at where they can make cost savings.