In this situation that the bill addresses, a court order has to be made whereby any and all debt that a person has incurred can be addressed by a bailiff seizing any property that they may have under their control in order to pay for that debt. That's not like a situation where, if you go to any shop on the main street and pay with Afterpay or with credit, that shop can secure the lending against the item. That's called a registration on the Personal Property Securities Register, and in that situation, that lender will still be able to recover any debt that you owe by reclaiming that particular item. I know there was a lot of confusion in this. There was some confusion at the committee stages. But I thank the officials for their advice on this matter, which turned out to be quite simple after all.