Now, my question is about this confusion which has arisen at the last reading in the House, and it has been discussed at length at the select committee. It's to do with this idea about at what point this legislative change would apply to people with disability who wanted to access consumer goods. The question that was raised by a number of submitters and by Opposition members on the committee and in the House last time was about whether this would apply in a way which would have a chilling effect on the debt that was extended to people with disabilities when they went to buy consumer goods. For example, that was things where, say, you have someone with a disability who goes into Noel Leeming and wishes to buy a television on hire purchase. The contention was that maybe they won't be able to have that credit extended because Noel Leeming would be on inquiry as to whether they were someone who they could recover a debt from. 