Hon Dr DAVID CLARK (Minister of Commerce and Consumer Affairs): Thank you, Mr Chair. The member again asserted that this is some kind of bill in search of a reason, and I think it shows how out of touch the National Party really are. They don't mind thinking that it's fine that a bank's charging customers for credit card repayment insurance for which the customer receives no benefits. They don't think it's fine for a bank to continue to charge deceased clients premiums for credit card repayment insurance and life insurance. They don't think it's fine, and so on, and so we can go through this list of all of these instances—