Here is the third big problem. Not only is it retrospective, not only is it being rushed through Parliament, the Government is not waiting for Parliament. They say that "We're announcing a law today and it's in place from 28 September." It is in place today. That whole democracy thing, putting it through Parliament, and the representatives elected by the people of New Zealand voting on it to actually make it a statute law, all of that stuff, that'll come later. The Government is now making laws by press release, and that is banana republic stuff. That erodes the confidence that people have to save for tomorrow, knowing that maybe the Government will just take it all away. That is what is at stake with this legislation. That is what you get from a Government of children who don't understand the implications of what they are doing to the future of this country, with their immature, ill-conceived, rushed, retrospective interference in the property rights, the rule of law, and the contracts that New Zealanders voluntarily enter into in a First World Western democracy—or at least it is for now.