Bad behaviour is the intended target of this bill, but it's not to be fixed by regulations. If one financial institution is behaving badly, consumers will move away from that and go to an institution that provides a better service, and this competition would be a far better way to address bad behaviour than imposing a sort of vague requirement to have a fair conduct policy. So the problems identified by the Ministry of Business, Innovation and Employment, I think, have been overblown. The problems around incentives in this country are not the same issues you have in the United States model, and the issue of functioning in the free market should be that greater competition and other methods that are proposed in this bill should have been allowed to take over and regulate that.