Fundamentally, as I've said, this is a short bill, but one that will make a big difference to people. I would also just note the recommendation that lenders and industry bodies be informed about the provisions of this bill and what the rights and responsibilities of creditors and debtors are so that there is good understanding across New Zealand's communities, and the understanding that Parliament has sought to strike the right balance between access to credit and also the recovery of items being excluded, those which are necessary for the independence of disabled persons or the principal caregivers for disabled persons. So with that, I commend the bill to the House.