Very briefly, on the question of enforcement, a $10,000 fine for these businesses whose customers are some of the most marginalised and some of the poorest people in our society, who are going to second-hand dealers in the first place, will simply shut these businesses down. It will make it impossible for those people to access the kinds of goods and the services for finance that they are accessing here, and I wouldn't want to see that. That's why I oppose this bill.