Hon KELVIN DAVIS: I've seen a report from Westpac New Zealand, where the head of consumer operations said, "New Start helps give prisoners the best chance possible of resuming normal life." They went on to say, "A bank account is like a passport to the economy, which is why inclusion in the banking system is so important. Without one it's hard to get a job, pay the rent, receive a benefit or do many of the other things we take for granted in our lives."