Why can't we just let the regulations that exist at the moment—there is no problem, there is no systemic issue, why can't you just look at those? If you want to beef them up that's fine. What the Minister could have done, if he'd been challenging of his officials, he might have said, "Well, OK, what are the options other than passing this new bill? What are the options, officials?" Well, they could have said, "Yes, improve the CCCFA. Let's just tweak it a little bit more. Maybe there's an area that we need to make sure in the code that covers this new bit." The Minister might have said, "Hmm, that's a pretty good idea; I quite like that." The other thing that the officials could have said is "Why don't we beef up the banking ombudsman's role? Why don't we give her some more responsibility, more funding, and more powers?" That's an obvious—she's already in place. Why not? But what did the Labour Government come up with and what did this Minister come up with who is just so desperate to put through legislation through this House? A brand new bill that will cost millions—millions. And guess who's going to bear the brunt of that.