I'd also like to touch on one of the quibbles, as the member for Tauranga called it, which was brought by submitters. I think it was a very seriously held concern about the bill's potential effect on lending and repossession of goods. I want to make it very clear for anyone who may be listening who's concerned about, perhaps, a chilling effect on lending to people with disabilities that that is not what this bill does. We had a lot of discussion about this at select committee, and it comes down to this. The submission as it was put was that lenders, or second-tier and third-tier lenders, or shops which sell goods to people on, say, hire purchase arrangements, or Afterpay if you're paying online, would be disincentivised to sell goods to people with disabilities, because they would have to actively ask a person if they were disabled and then wouldn't be able to extend finance to that person. That's not the case, and I want to be really clear on that. It's not the case, because that's not how judgment debtor orders work. 