Hon TODD McCLAY (National—Rotorua): Thank you very much. Minister, what you just said is we need legislation because there are people in banks acting fraudulently. Fraud is already against the law. You can't make it more against the law. It's already against the law. So in the case you gave that I think wasn't in New Zealand but was in Australia, where one person signed hundreds of loan applications fraudulently, in New Zealand they would be found, they would be caught, and they would go to jail. Fraud is already against the law. So what you're actually saying is using examples of other countries that have legislation that we don't have here, to catch fraudulent behaviour; fraud is against the law in New Zealand. 