Well, I actually think we've got to move past this. Best way to bring about best behaviours in banking is to have more competition. There's nothing like competition to get everybody to sharpen their pencils and be better at what they're doing. But all this legislation against banks and financial institutions, all it ever seems to do is put up the costs that young New Zealanders, older New Zealanders, any New Zealander gets to pay for the privilege of borrowing money and paying it back. And that all comes down to this Government's lack of trust in adult New Zealanders to make their own decisions. And that is, I think, a real indictment on this Government—that everything that Dr David Clark, despite him being a very pleasant person, has tried to do in a well-meaning way, has led to a complete turnaround and a total mess. And we'll all have to come back to Parliament to talk about it and try and fix things for him. And this is going to be another one.