On the balance, the bill would have provided more confidence that financial advisers were given sound advice, and there are examples, apart from what Ingrid Leary said, where there have been people who have taken hold of companies and shaken them up and undersold their value and have actually ended up with a beneficial interest at a financial level. This has occurred quite a lot of times in the New Zealand market place. So there could have been a spirit here which would have allowed us to take those particular functions themselves and to run a figure of eight around the insolvency aspect, because there's more to this than just insolvency practice.