The other thing, that might slip past some, that struck me about this bill, is a real shift in accountability. The culture of EQC in 2011 was to use every device to limit their exposure and liability. Now, Toka Tū Ake will have a code of insured-persons' rights, a complaints management procedure for breaches of that code, and an independent review process if that isn't resolved correctly. And also, an independent dispute resolution scheme for what are, essentially, insurance disputes about the settlement process itself. This is an absolutely seismic shift from the wall that homeowners faced when they were unhappy—often justifiably so—with EQC. 