Yep, banks make lots of money and others do, but the last time we were before this House, Minister, when you said "We are here to do what's right for the poor old consumer, because there are lenders out there who take advantage of them; let's pass this piece of legislation, the Credit Contracts and Consumer Finance Act"—well then, all of a sudden we're reading in our newspapers over Christmas that banks are asking you about whether you're having fish and chips or what you spent money on, and not lending. That wasn't the intention of that legislation. I know it wasn't the Minister's intention for banks to decide that because of the way the regulator would interpret his legislation, they had to delve into the deepest part of people's lives. If you happen to watch a movie on Sky TV and pay extra for it, or, as some Labour MPs do in Opposition, watch movies in hotel rooms, well, ultimately the point here is that it shouldn't get in the way of your enjoyment of a house. 