MELISSA LEE (National): Thank you, Mr Speaker. It's a great pleasure to rise in support of this bill. Earlier, my learned colleague the Hon Judith Collins raised some concerns that we had. It's not something that we feel that is enough to oppose the bill, but raising and bringing some light to the reason why we are having some concerns is the duty as members of the Opposition, as decent members of our society concerned that it might have likely impacts that, for example, the Credit Contracts and Consumer Finance Act (CCCFA) has actually had on the ability for some people to get a bank loan, for example. What we're saying is that officials and Parliament, and particularly a select committee, should actually pay attention to the impact that this legislation may have on incorporated societies and what that might actually mean.