We need to ensure that insurers, both public and private, maintain effort. The last thing we want to do is shift costs to the NDIS that are in fact the appropriate costs of another insurance agency. If we were to essentially take over the responsibility of other both public and private insurers, that would put real pressure, in our view, on the fund with potential serious impacts not only in a funding sense. Insurance requires that, if something has gone wrong, the appropriate insurer should pay the costs of that event.