I guess what I wanted to touch on, though, is that I think you've really hit a nerve. It wasn't that long ago in New Zealand in real terms that people could be imprisoned for not repaying their debt. And whilst there's still some powers under the legislation to detain, the idea of being imprisoned simply because you can't repay something that you borrowed is rightly relegated to Charles Dickens. But we do need to think carefully about how we balance what goes on when someone has got themselves into trouble or, through sheer bad luck in these troubled times, can't repay their debts. And this is one example: I mean, it did strike me as interesting that up until the passage of this bill, that we hope will be very soon, a tradie could keep his or her paint brushes and ladders or circular saws, what have you—the tools of trade—and yet, at least notionally, although we hope not in human terms, someone could have their wheelchair repossessed. That is a truly bizarre nation where we have that kind of situation happening.