All of this is about levelling the playing field. And I have to say that my good friend and colleague, the Hon Dr David Clark, who has taken over shepherding this bill, has put in several pieces of legislation. As the Opposition has quite rightly said, he has been very busy. That is because we believe in competition and we believe in protecting the rights of consumers so that we can level the playing field and have some equity in our financial services. And it's not just about doing the right thing. It is also about financial stability, because without that equity in the finance system, there can be instability. 