What this Minister is doing is crippling the financial sector. We believe that banks and insurance companies should operate appropriately, and if they don't they should be subject to all the changes and all the duties and responsibilities and the penalties. And a lot of those are already covered, they're already provided for—they're already provided for. There are lots of fees and issues and compliance requirements, but this another layer put on top of those. And if you are a director, or even if you're an executive, if you're a CEO of a bank or in the senior management team, guess what? Mr Stuart Smith, you're the HR person today. Can you go out and hire a whole lot more people? Oh no you can't because we haven't got anyone to employ in New Zealand and we can't bring in immigrants from overseas. Well, maybe you could leave your job and go and get this, because I'm sure he'd be well paid. You would be spending all day long doing compliance.