Just in response to the previous speaker, the member for Barker, it is a fact of life that we go through our adult life paying for services that we do not always use. I paid for private health insurance from about 1998 to the present day because I was compelled to by a $500 tax passed by the Howard government. It was a levy. That is the way they talked about it; the Medicare surcharge levy. I cannot remember using that private health insurance—