I'd just like to wrap this up by stating that this bill fits in very well with the Government's wider plan to target debt-related poverty. We know a large number of New Zealanders are very affected by debt-related poverty. We've had instances where there's predatory lending and we've made quite significant changes to the credit contracts Act in order to be able to ensure those people who can be preyed upon in situations of poverty—and I think this nicely adds to that suite. We brought forward changes under the Credit Contracts Legislation Amendment Act to strengthen protections for vulnerable borrowers. One of those examples was the red trucks you see travelling around. 