Here's the most interesting thing about that point of order: it's that, actually, the Government would like consumers in New Zealand to only think about what's in this legislation. They're not willing to allow debate on anything other, in this case, than what is here. And, yes, there is a saving; it's not a bad thing. In fact, it would be great if there was a way to add Supplementary Order Papers to this, to amend this when we get to future stages, to save the consumer even more. Because here is something you will notice as this legislation enters into force: the consumer will hardly notice the saving because it will be taken over by additional cost, across the board, that will be levied by this Government. Because here's something else that is extremely important: when the Government stands up and says it wants to save the consumer money, it should do that in every piece of legislation that comes forward. And every time this Government brings legislation to the House that will impose cost upon consumers, we'll get to stand up and say, "Remember, a long time ago, that piece of legislation when they decided the banks were the bad guys, so they were going to make a change there and save $74 million?"—long forgotten, because there's extra costs and the additional costs that will be brought forward.