Minister, you didn't give good examples of what the actual problem was. You talked a lot about overseas, previously, and you talked a lot about Australia and you said that there had been investigations everywhere. But the Reserve Bank and the Financial Markets Authority did not find a systemic problem. They did not say that, actually, there is a huge issue here in New Zealand. It's not so much that this is a solution looking for a problem, this is a Government looking for things to do so that they seem to be busy and doing things, but more Government is not always good Government, because it comes at a cost.