I am quite interested in this bill, though, and particularly the history of it, because prior to coming to Parliament, for a short time I did work in banking and so I am aware of some of the history behind the bill and certainly what happened in Australia. So what interests me is that obviously the Australians went off and did their royal commission, found a large number of systemic problems in the Australian banking system, and so following on from that New Zealand regulators and agencies went off and did their own review. And what they found actually was that there wasn't this level of problems—anywhere near the level of problems—that exists in Australia.