Minister, you mentioned in one of your examples that $1.4 million may not be a lot of money for the National Party. It's quite a significant amount of money, no question there—with the exception perhaps of contracts issued by the Ministry of Business, Innovation and Employment to Nanaia Mahuta's husband. It is a lot of money, but the point of this, however, is that, actually, once again, this Minister is bringing forward legislation that says, "Trust the Government. It actually is to do the right thing." And based on the last piece of legislation put through this House by this Minister when he said the same thing, there are New Zealanders today who cannot get loans to buy homes, who would have been able to before the legislation and they weren't in danger of being ripped off or taken advantage of. 