But what I am confident about is that the banks and the financial institutions in this country treat this very seriously already. They don't need this legislation coming in and putting a burden on them, and side tracking them from focusing on what they want to be focusing on as well, and that is supporting their customers. I tell you what: business do things quite well. They actually understand how to focus and work with their customers, how to get value, how to achieve outcomes, and how to deliver. But, again, this legislation is going to place a burden and red tape on those businesses. And then when the FMA and the Reserve Bank did not find evidence of systematic failure in the current model of sales incentives, why are we trying to put in place through this legislation, limitations and restrictions in that area? It simply does not make sense.