So, with remedial work carried out after the culture and conduct reviews, life insurers have now identified another $7.8 million in remediation and approximately 400,000 customers affected. Subsequent disclosures from some general insurers identified another $8 million in remediation. These are the kinds of examples, I say across the House, where consumers are at risk—and it's been identified through reviews and then follow-up work has identified yet more examples and more risk—and these reviews also have highlighted that there is a large regulatory gap here in New Zealand, and that we do not currently have any general oversight or regulation of retail banking insurance, unlike comparable jurisdictions like Australia or the United Kingdom. That means that the institutions themselves just don't have regulators who are able to detect these issues and risks, so it's only these reviews we have to go on. 