The $1.5 billion is an estimate basically of the individual elements of this bill as it's described here. We have had to make some assumptions. For example, around the benefit entitlement table associated with the lower entrance requirements, the actual entitlement for those lower entrance requirements isn't specified in the bill. Basically what we've done is we've costed the individual elements and estimated those costs. So the total cost of $1.5 billion is the sum of those individual elements. But it's likely a minimum sum, because we cost each element individually, as opposed to costing the entire package, which would be a much more complex process.
I should also mention in terms of the costs we're speaking to today that those costs are done with a certain degree of uncertainty around those getting access to the program who didn't previously have access—so the lowered entrance requirements—because these people aren't currently clients of the program being served by the program.