Dr DUNCAN WEBB (Labour—Christchurch Central): Thank you, Mr Speaker, and I rise to take this call in the event that Te Paati Māori chooses not to, which is a little of a surprise given how important this bill is to our tamariki. I really just wanted to make a couple of comments, really, flowing on from some of the speeches that we've seen today. I guess if you had a business that was collecting debts and 75 percent of its book was in default, we'd worry about it. Essentially, that's what this bill does. It's really tidying up the collections system.