What this legislation does is it sits in a very complementary way with other regimes which protect consumers. It sits under the umbrella financial and credit contracts legislation. There are compliance overlaps with other legislation, which are complementary. They are acceptable and they don't cause confusion. There is a statutory review clause, which will pre-emptively deal with any unforeseen issues—for example, if there are regulations which may overlap—and it really does complement other regimes. 