Minister, you also said that the problem is the regulators are not able to do their jobs properly. Then fix the regulators. Don't bring more legislation to paper over something that the Minister says is not working, because with every single piece of legislation this Minister brings to the House, there is a cost. And we've seen the significance and effect of the cost with the last bit of legislation, where he said at the time, "They have it in Australia. We don't have it here, and all these poor consumers are being ripped off everywhere, and there are nasty people out there giving them loans and so on." Actually, Minister, as a result of that last piece of legislation, that is still happening for those who are already acting illegally. You can't make something that's wrong or illegal more illegal. But all that the Minister has done through rushing that legislation through the House last year and giving guarantees to everybody they would be better, is that those that should be able to afford a house and get a loan for it are now not able to.