The document—and let's be honest: who's read cover to cover their insurance policy? I suggest—[Dr Deborah Russell raises hand] Perhaps Dr Deborah Russell, but no reasonable person. The fact is we take it on trust that the insurance company has written fair and reasonable terms. Then, when a claim comes along, all of the power is in the hands of the insurer—as Stuart Smith should know, given his electorate. So, in fact, we've got a situation where we're buying a product. We don't actually know what it's going to deliver. We don't know when it's going to deliver it or whether the insurer will stand behind it when the time comes and deal with this fairly. And what does this bill do? What's its central precept? That when selling these products—these complex products—the interests of the consumer should be taken into account.