What does that mean? Well, what that means is—this is important—that if you sign a contract with another New Zealander, under New Zealand law, you don't know when the Government might come along and change the nature of that contract. The Government doing that is something that we normally associate with banana republics, with countries in South America, with countries in Africa, with places where if you try and make a deal and you think that your rights are secure, a corrupt Government can come along and dash your hopes. That is why those places, sadly, are much poorer than New Zealand. People don't save and invest to become wealthier in those countries like they do in Western countries like New Zealand, because you always take the risk that some corrupt Government will come and take your rights away. Well, unfortunately, by putting this law in place, by Parliament changing the terms of contracts that people may have signed 10 years ago, this Government is making New Zealand just a little bit more like those other banana republics. That is unforgiveable.