ANDREW BAYLY (National—Port Waikato): Yes, it's my duty to talk on the third reading of the Financial Markets (Conduct of Institutions) Amendment Bill third reading, commonly referred to as the "COFI bill". Unfortunately, National does not and will not be supporting this bill. This is a bill that offers a solution looking for a problem. We don't know what we're trying to solve with this bill, and that is why National opposes this bill.