They've already identified hundreds of thousands of New Zealanders who've been ripped off—hundreds of thousands of New Zealanders, millions of dollars. Furthermore, in Australia, where the parent companies of many of the banks operating here operate today, they had a royal commission at a similar period of time, led by Commissioner Sir Kenneth Hayne—the same institutions, with similar cultures; parent organisations. They had people confessing to ranges of crimes and breaches, including falsified client records, forged signatures, privacy breaches, insider trading, under payment of $80 million of employees' superannuation benefits—Commonwealth Bank of Australia, parent of ASB; Westpac staff manipulating internal systems such as unauthorised opening of accounts and false recording of offers being made to customers, in order to trigger bonuses; ANZ employee falsified more than 100 loan applications, and two business bankers who colluded with third parties to make 47 fraudulent loans. These are examples where they have dug a bit deeper. They got a royal commission. But here in New Zealand, they uncovered it, and then they kept digging, and they found hundreds of thousands of New Zealanders affected—even here in New Zealand without a royal commission—and millions of dollars owed. We have a regulatory gap here where we don't have the oversight that they have in Australia and the UK, so we're actually more vulnerable to this kind of behaviour.