So the upshot of that seems to be that they're really just having a guess as to whether the whole regime is justified, and so we will certainly be taking a great deal of interest in the select committee process, hearing directly from market participants to reassure us that this step towards greater regulation in this space is justified, that the appropriate levels are laid down, and that New Zealanders—who, ultimately, pay for any costs imposed by regulation through fees in the banking system—are getting something for that extra cost.