I do want to just touch on what the effects of that will be, and actually that's laid out quite well in the regulatory impact statement, which talks about the fact that the bill could lead to more expensive financial products and services, for instance, if costs are passed through to customers. My concern around that—and to me it really sums up what this Government does actually—is they come in and they think, "Oh well, look, here's potentially a problem that we need to fix."—or in this case, probably not a problem at all—"So what we'll do is we'll put a whole bunch of new costs on to businesses or on to farmers or on to landlords, whoever it might be, whatever industry they decide to pick on. 