One of the things that I am really confused about in this bill is when they talk about a specific terminology—"unconscionable conduct"—which most submitters actually objected to, because the bill does not define what unconscionable conduct is. Nobody wants people to be cheated out of their good savings or anything, but the thing is that it has to be narrowly defined, in my opinion. Unfair conduct such as the use of pressure tactics, deception, or targeting vulnerable people, which some of the other speakers have talked about, is something that we certainly do not want in New Zealand, and we need to protect the consumers. But we already have laws that protect them, and these laws are already in place. I don't think that this law, this piece of legislation, is good enough work, and I oppose this bill. Thank you, Madam Speaker. 