The other comment I wanted to make was around education. I think, rather than keeping passing bits of legislation to protect people from other people, we'd be much better to introduce a whole lot more education into our system around financials and how people should manage their lives. I don't think it would be that hard. I know education's a touchy subject and I shouldn't be talking about it in Deborah Russell's presence, but education, for mine, would overcome a whole lot of issues we have with these kind of rules that we're trying to put in place with legislation like this. 