Hon GRANT ROBERTSON: I think I have an expectation, as I think most New Zealanders would, that we don't see parts of the economy, or actors within the economy, use their market power to take advantage of consumers, and we've already been addressing those sorts of issues, for example, in the supermarket sector. What I would also say, however, is that the stability of the banking system has served New Zealanders particularly well during times of crisis such as COVID-19. But I do understand the spirit of the question that the member is asking.