With respect, I wasn't asking what you consider to be the shortcomings of what you believe to be the Labor approach. I was asking about the shortcomings in the scheme that you're outlining in the amendments that are before us today. So I ask again: if you're intent is to make sure that trustees do include people in high-risk occupations in group insurance on an opt-out basis, are you not concerned that, on your own advice just now to the Senate, there are no legal consequences if they fail to do that or if they make a set of decisions on incomplete or inadequate information?