And if the other side of the House doesn't believe us, then have a look at a couple of the reviews that actually said there are problems here: the Financial Markets Authority (FMA); the Reserve Bank conduct and culture reviews identified evidence of poor conduct but, more broadly, serious risks and regulatory gaps in our financial system. And again, if you don't believe the Reserve Bank, if you don't believe the Financial Markets Authority, how about you believe the International Monetary Fund? The International Monetary Fund said they identified gaps in our regulatory system in the way that our insurers conduct themselves and recommended that we fill those gaps.