Those of us who have electorates—and most people here have an office somewhere where often we have people who have come in who have found themselves in incredible financial situations. You don't need to dig very deep to work out many of them are paying for products they simply don't need because they were people who, when they were confronted by someone selling them a product, whether it be a relatively low-cost insurance one, right up through to perhaps a loan that they could have actually got the money elsewhere—they are the people who do need some protection. 