So when consumers call up the financial institution, their banks, or the insurance company and say, "I want a new piece of insurance, please, 'Mr Insurance Company'", well, the cost is going to be greater once this legislation enters into force than it was before this Government started this process. The reason for that is that there is extra cost being placed upon business and it always gets passed on to the consumer. It's never the Government that meets it; it's passed on to the consumer.