So I want to talk a little bit in regards to this legislation, because my background and experience is in banking and finance, having spent most of my career working in banking. Looking at this legislation, in effect, the purpose is in order to require financial institutions—so banks and other institutions like that—to comply with prescribed regulations, regulations that mean that they need to do things around sales incentives or meet conduct or licensing. For those at home, I'll give you a clue what that is. That's just regulation, compliance, and burden on business. And what you'll hear from the other side of the House is that this legislation is out to protect the consumer. But what I heard, listening to some of the speeches that have come before, is actually an ideological attack on these big entities saying they are big, bad banks. Well, one of the biggest banks in this country employs 9,000 Kiwis, hard-working people across this country that work in that institution. So when you attack that "big business", you're actually attacking all of those individuals within that entity. 