I think there's a point here that needs to be made. Andrew, correct me if I'm wrong, but given the way it applies, it applies to businesses, in addition to others. Depending on the final incidence, it could well be the case—and in fact we believe it very much is the case—that in refunding the tax to individuals and households, it is very likely that we are refunding to individuals and households somewhat more than they would actually pay, because some of the incidence of that tax falls on companies and it's individuals who are fully compensated for it through the refund process.
Andrew, have I got that right?