The other aspect is that the Reserve Bank and the Financial Markets Authority (FMA) conduct and culture review found little evidence of widespread banking-conduct issues in New Zealand. And the small number of issues that they found actually related to individual people. It wasn't widespread or systematic issues with the system. And you'd expect that; it's a complex business—it's a big business. I mentioned one of the banks has got 9,000 staff. So you don't need to be a rocket scientist to expect that you're going to have a couple of people in this country that maybe haven't followed the rules appropriately. 