More than that, though, I understand the same Minister has another piece of work around reform of the insurance industry, because there is legislation there that certainly needs updating; there is no question on this. So why is he putting his toe in the water to have a little crack at the insurance companies here, which will create uncertainty, won't provide any more support or protection for the consumer, and as soon as this is through later on come back and actually do the whole insurance industry? It is because the Minister isn't in charge of this portfolio. He's not focusing on the things that are important, and what he is not doing is thinking about legislation that actually will have the effect intended, as opposed to just window dressing that creates cost through regulation and uncertainty on business. Because every time you do that for a business, large or small, someone has to pay, and sadly it's always the consumer, the very man, the very woman that this Minister says he is trying to help and protect with this legislation. We won't be supporting it in its current form.