BARBARA EDMONDS (Labour—Mana): Thank you, Madam Speaker. It's always quite difficult to go after a speech that is loud in volume, but not loud in solution. The National Member who's just sat down, Andrew Bayly, said if this bill offers a solution it's a solution looking for a problem. So let me set out in the third reading of this bill what the problems are that this bill is trying to solve, because, unlike the other side of the House, the Labour Party stands up for consumers. It stands up for those small people who are consumers being sold insurance policies that they are ineligible to claim upon. We stand up for those customers who have sales incentives that lead them to being sold products that they don't need or don't suit them. We stand up for life insurance customers who've been churned from one policy to another policy, which can result in a loss of their cover. We stand up for people and consumers where there is poor accountability in the financial institutions in which they invest their money. That is what the Labour Party—that is what this side of the House is standing up for.