Dr DUNCAN WEBB (Labour—Christchurch Central): Tēnā koe e Te Mana Whakawā. Ngā mihi nui. It's good to be here in this new year. Look, this is a really important piece of legislation. Stuart Smith stood up before and talked about caveat emptor and then made a quite unusual comparison between buying financial services and buying a pair of jeans. I just want to pick up on that, because, when you buy a pair of jeans, you see exactly what you get—although, having seen his attire, perhaps he didn't look closely enough. When you're buying some insurance product, you're buying something which is entirely impossible to understand exactly. You're buying a promise—you're buying nothing more than a promise—that a faceless company will do good and indemnify you—will make up any losses that you suffer.