I didn't hear some of the question because of the interjections, but I assume you were talking about limited recourse borrowing arrangements. I think you and I spoke about this yesterday or the day before, Senator. I made the point that less than 10 per cent of self-managed super funds have one of these arrangements for residential property and, of course, existing arrangements will be unaffected. I think I may have also made the point that limited recourse borrowing arrangements are less than one per cent of total residential property borrowing and less than half a per cent of new—