So the first issue is this bill relates to financial institutions, and that has quite a defined meaning. It means registered banks, such as an ANZ or Trust Bank; licensed insurers, like all insurers that we're well aware of; and licensed non-bank deposit takers. But there are approximately 1,500 registered financial service providers, which represent about 90 percent of the industry, who are not subject to this bill. In fact, they're not subject to the other bill. So if we were to actually worry about people who might potentially be more likely to undertake unwelcome lending practices—the very group that we want to capture are not captured. It is an absolute glaring issue. They include instances of payday advance lenders, peer-to-peer lenders, other high-cost lenders, and shopping trucks. So that's the first issue with this—the definition around it.