Sorry, Mr Faafoi, I'm on a roll. Mr Faafoi was a whip in this House when I first arrived, and the whip, for those who don't know, have ultimate power in this House. When they stand up, they say, "Shut up, you shut up." But Mr Faafoi, you're on your last day—I'm going to talk for another 10 minutes, and you're going to stop me. But they always say, once a whip, always a whip. Anyway, I think I've forcibly made my point that yes, there is absolutely a need for this legislation, yes, as a dying legacy of this member who is actually leaving here today, if he can be proud of many things he's done here, he can leave and know that he's done his ex-electorate people proud who need protection from those who prey, willingly or not, from financial institutions.