So, Minister, will you give us an assurance that there won't be extra costs imposed through bureaucracy on businesses, on banks, that are always passed on to the consumer? And why are we dealing with this legislation today? Because it's not obvious that there are as many problems endemically, as he says. And why don't we have a quick fix before us so that banks realise that they don't have to look at whether people are having fish and chips, watching movies, or doing other things to enjoy themselves, so that actually they can get loans and buy houses?