The costs of more regulation on top of more regulation for banks is going to mean not one extra New Zealander is going to be able to borrow money for a house, because of this legislation. Not one extra. It is not going to bring down the cost of borrowing. It will put up the cost of borrowing. It will end up with more bank staff being more nervous about approving people's loans, in case they've got something wrong. You know the stories that we've all heard of, of people having to explain their coffee purchases to a bank manager, to show that they can afford a mortgage—well, what sort of strange world is that? That is the world wrought by Dr David Clark and his Government. It's the nanny State writ large. It's the people who cannot trust adults—adults, who can have their own children, who can, apparently, buy a property, have a car, have a driver's licence, and even have a gun licence. We cannot trust them to do a deal with the evil bank!