The other thing is: it's just more regulation, isn't it? We've got people here: "You have to act like this, you have to act like that." Right at the moment, this country is full of Kiwis who are wondering how they're going to pay their mortgage, but it's great to know that they're going to be protected by this Government! Well, it's not going to protect them. The costs of actually being a financial institution have gone through the roof. They're increasing. We've seen it, as Mr Stuart Smith alluded to—we've seen it with ill-thought-through—actually, not thought through, but well-intentioned legislation that actually meant that a whole lot of New Zealanders missed out on getting loans when they could for their first home.