I actually said in my initial speech that some Restructuring Insolvency and Turnaround Association of New Zealand (RITANZ) members may not agree with this, and we have heard that. I said "some", and I think some of the speakers on the other side of the House have taken that to mean "all". Now, if those RITANZ members are so certain that the Insolvency Practitioners Regulations Act is working then they would not be scared of actually having a bit of sunlight displayed. I don't want to question the integrity of the majority of those people, but I think when we're making legislation we've always got to be making sure that there are some people that are not falling through the cracks of the legislation. As much as we can put stringent requirements in front of people and expect that everybody will fill them out to the best of their knowledge and the best of their ability, we must, I think, as regulators and legislators, accept that there is a chance that someone will go through the cracks of those systems. I'm sure many of us have had people come to our offices who have had problems. If you happen to be the person—not you, Madam Speaker—but if the person who comes to our office and complains is the person that's been caught out in a situation like this, where somebody hasn't acted with the honesty and integrity and trustworthiness that the customer would expect, then that's when we see these things happening at the worst.