So our view is that we have the risk weighting completely around the wrong way. When the risk indicates you take a different approach, then the Government should take a different approach. We believe that there will be people sitting at empty Christmas tables this Christmas as a result of this order. It should go far further than what the Government has done so far. The Prime Minister likes to refer to these people as "cumulative risks"; actually, they're Kiwi citizens who have legal rights under the New Zealand Bill of Rights Act. 