All you've got to do is go and talk to the banks themselves, the businesses around the country, and, actually, everyday consumers who want to do things, about where their greatest grievance is, and it's always more and more regulation. You see, if you focus on solving a problem and hold those to account that are causing the problem, well, that's one thing. But, actually, this is a burden that is placed upon every single institution in New Zealand, and there is a cost to that. There will be institutions that don't come anywhere near the issue that the Minister is trying to solve, and it's not overly apparent that it is a big problem in New Zealand, but if all you're doing is creating legislation and bureaucracy and red tape, which means they employ more people and they take more time away from being productive and you don't actually solve a problem, because there wasn't a big one there to start with, there is cost. Members opposite says, "Well, actually, it doesn't matter about that.", but all they've got to do is go and have a little look at what's happening around consumer confidence in New Zealand, and, actually, the number one issue at the moment, which is the cost of living for almost every single household, and they don't realise that it's legislation like this, as well meaning as it seems, that is part of the reason that everything—everything—has become more expensive in New Zealand.