Our view would be that the uptake isn't low. On the uptake, we're looking at almost 13,500 applications, as of November 5. We actually budgeted based around having about 19,000, at an average of $10,000 payments. So we're getting quite a good uptake on the program.
Again, I think the intent was to address the family income issue and to provide all the services and to encourage people who we're going to participate in the program to use those services, on the basis that things are difficult and that it is beneficial to have as much advice as you can get when you're in that kind of situation.