GREG O'CONNOR (Labour—Ōhāriu): Madam Speaker, this is one of those pieces of legislation that comes before the House, and those who aren't imbued in the financial system will look at it with something of horror because it is quite complicated, as my colleague Dr Duncan Webb said. However, in my experience in the fraud squad from many years ago, I got some advice from my detective sergeant. He said, "Don't get too overwrought when you are confronted with a lot of financial papers in front of you that you have to put together. Simply break them down into something that people will understand."—in our case, the jury. So that's how I attack this bill, and when you do look down at it, this bill is simply something that keeps the whole financial system moving. 