I return again to the questions of information and trustee responsibility. Can I put a scenario to you. Say a fund covers a workplace with 10 office workers and a security guard. The trustee decides that it's a low-risk workplace, based on the information that the employer provides, and then the security guard is involved in a tragedy at work and his dependants have no life insurance cover because of that trustee's decision. Has the trustee acted reasonably in excluding the security guard from cover, and are they exposed, under that scenario, to legal action?