So what we've got is, essentially, monopoly pricing for these banking services. It's absolutely appropriate for the Commerce Commission to come in, and I'm surprised at the ACT Party, because I'd have thought that they would want to have competitive and not monopoly pricing, so that the industry is efficient and innovative. That's what this bill is aimed at—an efficient and innovative and effective banking service—and that's what this bill will deliver. I absolutely endorse it and commend it to the House.