One of the areas that I'm going to be really interested in looking at and scrutinising, as well as when we get submissions from the industry and from insured people themselves, is clauses 55 to 83 in the bill, and those are the clauses in relation to assessing, deciding, and settling claims. For example, in clause 55, it requires the commission to decide whether a claim is valid and, if it is, to assess, decide how to settle it, and then settle the claim. This is a really good improvement on the previous policy, because actually what it means is that the commission can now actually make a decision. Previously, it was really difficult to. You'd need to go to court for it. What is also really good to see in this bill is that there's going to be some dispute resolution. Clause 58—again, whether the claim is valid is a really important question which now the commission will have the authority to be able to decide on.