ANDREW BAYLY (National—Port Waikato): That is true—the Privacy Act is one issue around privacy of client information—but that's not my point. My point is: there are different types of commercial information, and what this doesn't do is provide even a clarity that only information that is most relevant to the situation should be provided. What this is is an open-ended power for the commission to grant that information to the Financial Markets Authority. So it's not about the general Privacy Act, because that underpins all legislation—that's like 101 in the first year of university—but what I'm getting at is: what makes sure that information that should not otherwise be provided from one entity to another isn't actually provided? So that's the point of nuance I'm asking.