I note that this bill was introduced almost 2½-plus years ago now, and so it does feel like it's been a sort of slow process in getting here. Looking back at some of the submissions, which are now somewhat dated, I think the issues are very much relevant in terms of some of the pressures that consumers continue facing—as well as retail workers who work in the bank sector—and I wanted to reflect on one of the submissions from FIRST Union, who was really clear that a fair-conduct principle is really necessary but it must extend to fully removing sales pressures from New Zealand's retail banks. They talked extensively on some of the pressures that exist on workers and that, when we talk about fair conduct, we need to think both of the consumers and the workers as well. And I did note in the submission that they were really keen to have some specific requirements regarding the fair-conduct principle.