My question is to the Treasurer. Treasurer, in the interests of giving depositors and banks clear information on the proposal being canvassed by the government to now charge a fee for guaranteeing deposits over $1 million, I ask: will this fee be compulsory? Will a depositor with, say, the Commonwealth Bank, who has no concern about the safety of their deposit, be obliged to pay the fee, or will a bank that does not wish to have its deposits over $1 million guaranteed by the government be obliged to pay this fee?