I agree. I guess time will tell what the uptake is.
I still submit that a far easier and simpler solution would have been just to, in one fell swoop, not require people to repay money from the homebuyers' plan. It would have been a far easier, faster and more effective way to help a greater number of individuals, but that's a policy choice that I know the government makes, and not the department.
My final question is with respect to the bank tax. Perhaps that is for Mr. Baylor. Is there a precedent of any government, ever before in history, going to an industry or a taxpayer and saying, “That tax year that was closed multiple years ago is now being reopened by the government, and your tax rate is changing”?