Taxpayer value comes first and foremost for us, even with the target, and we make that clear in everything we talk about. I think we have done our best to move the point at which you ask for qualifications or insurance, say—that has been a real concern—to the right point in the process.
If you're running a competition and looking at seven, 20, or 30 suppliers, you don't need to know they all have insurance in place at the point of competition. You want to be confident that the moment your chosen contractor starts the job, starts delivering whatever they're delivering, that they have insurance in place or they have the necessary qualifications. You want to choose the right place in the process.
In the past, we've asked for qualifications or membership of a particular group or insurance at an earlier stage, and that has been a real barrier to SMEs in participating in different markets. We now tend to ask for them up front at the point at which the service starts being delivered or just after—