If I go to the member's other question where he suggested that perhaps there was—because there was a second question buried in there. It was buried as a statement. He asserted that this was a piece of legislation in search of a problem, and I want to just challenge that, because this legislation and those other bits that address particular products and services came about after a series of reviews, including, in 2018, one by the Financial Markets Authority and one by the Reserve Bank of New Zealand. 