The Credit Contract and Consumer Finance Act legislation is a good example, which is very similar to this particular bill. I think, at that time, they said it was only really going to go after the unscrupulous operators, and yet it ended up impacting on all the mums and dads trying to get a mortgage, who had to go in there and then they had all of their financial transactions in the last little while looked into, and it became absolutely ridiculous. It was intrusive and it was completely unfair, and it completely missed the whole purpose of the bill. I wonder what went on in the policy development of this particular bill, because I do note that the Reserve Bank and the Financial Markets Authority (FMA) said they did not find major systemic misconduct like in Australia, which is where this bill had its genesis. They're trying to copy what was going on in Australia.