The one final issue that we had in the bill which we think still hasn't been got right is that the regulatory parameter should not have been based on licences issued by the Reserve Bank of New Zealand. Accordingly, setting the regulatory parameter of the bill is based on a licence. It does not relate to the activities the bill intends to relieve, so it's not actually logical, and it has caught in its net non-bank lenders and a vast majority of financial institutions that have not had anything to do with deposit taking, or if they have had to do with deposit taking, they've put at the centre of their business models the treatment of customers fairly. 