But anyway, we've got this legislation. We are supporting it, albeit that we will be introducing some Supplementary Order Papers (SOPs) to try and get it into a better shape than it actually is. But I take the Hon Scott Simpson's point: is this actually going to achieve much, and, if it is, what are those things? It certainly will add some cost, and it will add cost to businesses who are, really, essentially, under this bill, reporting risks. These businesses that are captured by this, they are in the business of actually assessing risks—banks, for example, that's their job. They don't just lend money; they actually assess risks. Like insurance companies, they are not in the business of doing a public service, necessarily; they are in a business of assessing risk, laying off some of that risk for customers, and, in turn, laying off some of their risk with reinsurers. So they are all about assessing risks.