We've heard a lot over the last four years of this Government about intention, and there would be nobody in the country that would say that they are not well-meaning in their intention. But this bill is a little bit like KiwiBuild. It's really, really hard for a hard-working Kiwi family to live in a KiwiBuild house that the Government has announced with a press release that will never be built. A vulnerable consumer that needs protection actually won't be protected just because a Government says they've done so when a Government doesn't do its work properly, and this piece of legislation doesn't do the Government's job properly. 