Dr DUNCAN WEBB (Labour—Christchurch Central): Thank you. E Te Mana Whakawā, tēnā koe. Look, I just wanted to touch on one point really, and it is this scaremongering around the concept of unconscionability and the suggestion that it's in some way loose. This concept has a long tradition in the law, in equity, and it's also found, I must say, in the Credit Contracts and Consumer Finance Act. The provision in that Act says that financiers can't act in a way that's unconscionable or in contravention of the standards of reasonable commercial practice. So over that time, both in case law alone but also through kind of legislative interpretation, the concept is very well understood and very clearly applied. 