In terms of the guaranteed $74 million, we believe it'll get stuck in the legal system and not get to business and consumers in the quantums that are discussed. We believe the administration fees—well, if you divide that $74 million by 15, you're already taking away 15, 20 percent of the benefit, just by setting up a Government department. So what is that all about? This is the problem with these types of laws, right? Giving the powers to the Commerce Commission does not reflect actual savings, and so it's disingenuous to actually say that the consumers and merchants are going to get these.