The second thing is: why did he allow MBIE to lead the review of the regulations of this whole credit contracts finance issue when in fact MBIE was responsible for preparing the code that, in my view, the Minister subsequently improved and has led to the issue? Why was MBIE asked to leave that? Why did the Minister choose not to get an experienced practitioner? Because many of these issues that have come to fruition were highlighted in the select committee process. What people didn't expect was that there would be a Minister who would subsequently go away and allow this approach to be adopted across all lenders and a responsible lending code that was issued in February.