There is a second example here when it comes to the assurances around greenhouse gases, and it's the agricultural sector, because, actually, banks in New Zealand lend to the agricultural sector across the board, including when it comes to animal farming—dairy. Well, the banks that are lending already have to factor in climate change requirements now and perhaps in the future when it comes to Government requirements on land. So a bank in New Zealand will have to go out and have an assessment done as to the risk of climate change to their investments—them lending to people in New Zealand to buy farms and to farm, to produce the food that we need to sell overseas for our economy. And it might come back and say, "Actually, we don't believe there is a significant risk here, except when it comes to Government policy." because if the Greens got their way and there were no more cows in New Zealand, actually, there would be a great risk to lending because of the uncertainty that creates. Now, that's not the intention of this bill, because it doesn't make them change, it makes the Green Party and the Government feel good, and perhaps some New Zealanders, but it isn't having the effect that the Minister said that it would, other than reporting and cost and change. And I would say the Government has a very large role to play in this.