I question the premise of your argument, and we also question the accuracy. The ATO have told us that 96 per cent of people in that age cohort don't have dependants. Theoretically, if you want to use that as a proxy for needing insurance, I think that that's a very good proxy. Our aim is to get as many of those vulnerable workers—those on low incomes, those with low balances—above that $6,000 critical mass as quickly as possible by reducing insurance premiums, by taking away insurance premiums for products that people don't know they have, don't understand and probably can't claim on. By taking away those insurance premiums until they reach that $6,000 critical mass we're helping them—in fact, we're encouraging them—to get ahead.