So this is a very essential piece of legislation. Nobody in banking is a particularly bad person. Nobody in there is out to rip anyone off. What they're doing is doing what humans do: they are out there to make a living the best way they can. Some people sell drugs because it's the only way they can make a living. The authorities—the State—stop them from doing that and so it is essential that just the ability, the desire to make money, the need to make money is not by itself a reason why the State, the regulator, should not become involved. The more incentive there is, the more there will be an incentive for those to actually act against the interests of everyone else in the industry, and that's exactly what happened in Australia and there's no reason to expect that largely it hasn't happened in New Zealand. This is to ensure it doesn't happen. This is to ensure we protect New Zealand customers. I commend this to the House, Madam Speaker.