As my good colleague Hon Todd McClay said, between 6 and 10 percent of loans are not now being processed by the banks that would have otherwise been processed up to 1 December last year before the new CCCFA regulations came into force. It has been a disaster. Talk about cost—that's a real cost, particularly for first-time buyers who are wanting to buy a property or people who are really struggling to get credit who want to buy a car or whatever. What that legislation's done is stop banks—probably the lowest cost lenders—and driven those people in to high-cost lenders. It's absolutely been a perverse outcome; and, if you talk about financial cost, the serious personal cost to those individuals has been severe.