Minister, the second question: do you know how many intermediaries a large bank might have? Because presumably you've now got to pull them all back in and ask them somehow whether they've completed that training and have a reasonable understanding of the matters that have been covered by the training. So it's not just a case of turning up and saying, "Did you attend the training?" You actually have to sit down with Mr Penk, Mr Smith, whoever, and say, "Now, tell me, did you understand it all?" And what happens if Mr Penk's a bit slow? You might have to do retraining. So how does a director know that Mr Penk—an intermediary selling some obscure insurance policy out in the Chatham Islands—actually has understood the new code?