Thank you very much for the response from the government on this. Really, my question to the government is: did you consider options—because it isn't an unreasonable request. I support the principle of where the government is going on this, and I support the legislation. But, if you take someone's tax rate from 15 per cent to 40 per cent and they cannot touch that money perhaps for a decade or more, it's not unreasonable to ask: in the legislation, could you have looked for ways to give options, at least, to the people who are affected by this?