Finally, in respect of this, I would ask the Minister, actually—and the last speaker said it—not to rely upon a revision clause you put in legislation in five years' time, because, actually, it will be too late in five years' time to reimburse the extra cost that's been placed upon the consumer as a result of this. There is always, in good legislation, the opportunity to do a review at a point in the future. But we shouldn't say, "Well, actually, there's no systemic problem here; we're not like other parts of the world, we haven't really identified, actually, much challenge. There will be people acting fraudulently, but guess what! That's already covered by law in New Zealand. So we're going to create a whole lot more regulation and cost to place on the consumer and to take time away from our financial institutions from being productive, because productive institutions work well and don't have unnecessary costs that have to be passed on.", and say, "But don't worry, if we've got it wrong, we'll go back and review it in five years' time."