However, to much more riveting things, back to this bill. Seriously, what we've heard today is a bit of an argument about the problem—you know, what is the problem we're trying to solve—and members of the Opposition would say that there is no problem. But actually, I've spoken before in this House about the New Zealand Credit Union credit care service and my constituent, John Cavanagh, who's a 73-year-old from Milton, who for 40 years paid into an insurance scheme which, very sadly, closed last year and his payout from that scheme, because he was over the age of 73—he was given $50 compensation. Now, that was a funeral insurance scheme. It was designed for people to receive $10,000 cover so they could do the right thing by their friends and whānau and leave something so that their funerals were taken care of. But sadly, there was falling membership and increasing pay-outs. Now, that is something that was entirely predictable, if I can say so. But there was nobody there looking over the sector to see that something like this would happen and people like John Cavanagh got a measly $50 pay-out after contributing to that scheme for 40 years. That is simply unacceptable. That is a real problem and the problem is because there hasn't been regulation. 