The first thing I think ought to be clear is that National still opposes this bill. I will acknowledge that there have been some improvements to it, and I also acknowledge Supplementary Order Paper 173 by the Minister, which has been tabled in the House. But the reality is, this is a bill that's still looking for a problem to solve. We do not believe that this bill is necessary, because the regulator of financial institutions—and this bill covers, basically, banks and credit cards and non-deposit takers—just foists on the industry, who are already highly regulated, another set of codes or responsible lending criteria. What's interesting, if we look at the landscape that the Minister's overseeing, we've got these regulated financial institutions—and that's the technical term that covers those groups—most of those institutions are already regulated heavily by the Reserve Bank. And, of course, the Reserve Bank is, for all its faults, a good regulator of financial institutions.