So it was quite interesting to hear from Minister Eugenie Sage earlier saying that this bill builds on the review that was done in Australia. This intrigues me because what they're, essentially, doing is saying there's a problem in Australia; therefore, we need to legislate in New Zealand. That to me really is suggesting that we're creating a solution to a problem that doesn't actually exist in New Zealand, because what they found was that they said there's a small number of conduct issues related to poor conduct by bank staff but not widespread misconduct or culture issues like in Australia. So, again, nowhere near the level of problems that they see in Australia.