This Government is about fairness. I find it extraordinary that members of the Opposition are siding with the big people, the banks, the big insurers, and not with the consumers. We all want financial markets which are fair. What this bill does, by providing a regulation-making power, is not using a sledgehammer to crack a nut but is ensuring that we have a fair market so that people can trust, and if people trust the markets they are involved in because it's got a good regulatory framework, they are more likely to buy those services rather than being vulnerable to exploitation. We know that these contracts are very complex, that there is not a high degree of financial literacy in New Zealand, and because of that people can be exploited. So this bill is about ensuring that we manage those risks, that we have greater accountability, and that we have an ability to enforce fair conduct and good conduct.