So the Minister is well-meaning. I think he's trying very hard, but, actually, we'd be all a lot better off if he didn't try so hard, and what he should be doing is looking right into every policy that comes his way. Whether he suggests them or whether they are from officials, I don't know, but given what the Reserve Bank and the FMA have said, I doubt very much that the officials were the source of this policy's birth; I think it was probably the Minister. He's actually going to only bring in a lot more red tape and slow things down for the financial markets. He actually gave an example, in his opening speech in this reading, of an insurance salesman—how dare they actually try to sell something for a bonus? He thought that was a bad thing, and he's going to stop that. 