Dr DUNCAN WEBB (Labour—Christchurch Central): Kia ora, te Mana Whakawā, thank you. And can I commend the last speaker, Nicole McKee, for her speech, which I must say is clearly well researched and covered, in fact, a lot of the material I had intended to cover—[Interruption] I know; I found it very good and very much on point. I absolutely agree that the distinction between a credit contract, seizure, repossession, and a warrant to seize is actually of critical importance, but, really, the day goes to Anahila Kanongata'a-Suisuiki. I think your community can be rightly proud of the work you've done here, but also, of course, a much wider community as well. I watched your speech today, and you choked up, and rightly so, because this is a piece of legislation which will touch the lives of many people.