We note also that there were plenty of submissions on the bill and particularly on this issue. In fact, the law firm Chapman Tripp has written separately to the Minister to warn him of the significance of including clauses 53 and 54 in this bill, and he has chosen not to take that advice. But that is a shame because we also have, of course, the situation of the Credit Contracts and Consumer Finance Act, also from this Minister, and we were obviously concerned at that stage that something might go wrong. And gosh, it did—we've been straight back into Parliament to try and correct it as banks and lenders feel that they are obliged to check people's coffee consumption before they decide whether or not they're responsible enough to have a mortgage. This is another one of these where it might look OK, it might look good on paper, but I think we do need to really look at this.