That's exactly what the Minister said in his speech. New Zealand has been an outlier internationally—an outlier internationally—in not having conduct regulation of banking and insurance services. Again, this bill will fill that gap. It's unfortunate the member on the other side of the House who said he sat and he listened and he was vigorous in his contribution and interactions as part of this bill process—well, unfortunately, he failed to listen to the committee of the whole House debate, where the Minister clearly outlined that there were around 10 insurers, a small sample that was taken by the FMA and the Reserve Bank, that there are about 10 insurers with a total remediation of $1.4 million. Now, $1.4 million may not be an issue for Andrew Bayly but it is for consumers. It is for the working people of New Zealand. So that's why this side of the House is filling that regulatory gap. That's why this side of the House agrees with the International Monetary Fund that we are an outlier and that there is regulation that needs to be filled and so are coming up with solutions.