So we have a situation where, yet again, this Government thinks it knows best. It thinks it knows best about financial markets. It knows best about what institutions should be doing. These are actually the institutions who are currently taking in money, lending money, helping people through their business situations, helping them to buy a house, helping them to retain their home as they're stretched and trying to pay for their increased mortgages. And this Government wants to add more cost to them and to say to them, "We don't trust you; you're bad. You lend money. You lend money for profit." Well, I can't think of anybody except volunteers who go to work except for profit. It's called a salary, a wage, or else it's a profit. And the member who resumed her seat, she was an employment lawyer, she says. I presume she went to work and she made some profit. What, made profit off the unions or the poor people who paid the union fees? The fact is, is that profit means taxes as well. It means there's a reason to go to work other than the joy and the bliss that we get from it. There is some point. It means that there is some profit to buy the groceries, there's some profit to pay the mortgage, there's some profit to do so. Banks are not just evil because they make a profit. 