"(i) the relevant services or associated products that are provided to consumers on an ongoing basis to determine whether they are likely to continue to meet the requirements and objectives of those consumers (when viewed as a group);". Wow. I'm the new recruit to one of the non-deposit takers and I've been asked to do the compliance on that. What in the dickens does that mean, Minister? Because I can take a view from the non-bank deposit taker's view. I could take it from the view of a consumer. I can take it from the view of the FMA—that's the regulatory oversight. How do I justify that? Do I have to lay out all the different positions and then come to a view?