HELEN WHITE (Labour): Again, this is a very interesting process to enter at a late stage because one of the advantages we do have as new MPs is looking at the whole and actually admiring it. It's a very, very good piece of legislation which is going to fill a vacuum that should have really been filled quite some time ago. We have here a separate piece of legislation that's focused on regulation of an area where there is great vulnerability. We've been given an example of something like EFTPOS, which is just a nuts and bolts thing we all take for granted, and if it actually breaks, we are in real trouble. Here we are actually fixing it by a piece of very thoughtful legislation that is quite nuanced and quite directive in terms of where it focuses. 