We would be better to help financial literacy through our education system rather than teaching our students to go out and get on the streets and protest about climate change. They'd be far better off being taught about financial literacy. The changing of the terms of a contract, which was mentioned by the New Zealand First member earlier and how unfair that is—and I agree. If the terms of a signed contract are changed, then that is absolutely unfair. But that's, effectively, what the Minister is asking Parliament to give him the power to do, to give the Minister the power under regulation-making powers, a job that should be done here in Parliament and in the legislation. That is shoddy, lazy Government and it shouldn't happen and yet it's increasingly happening in legislation because they haven't done the work beforehand. This is a terrible bill and I'm voting against it. Thank you.