Dr. Barra Roantree:

He or she could also make the decision on the basis of advice from the Department or this committee. I do not want to say that it should be set at point 3 or point 5. The key is that there is clear information and transparency regarding the level of charges, and that they are being set as low as possible. We are dealing with a group that we know will not be particularly sophisticated in terms of looking at the various options, if there are options there, in respect of different levels of fees.