So it's interesting that if you go to the FMA website—and they make this comment about the Financial Service Providers Register, which the bill established two years ago—they said, "All financial service providers in New Zealand must be registered on the Financial Service Providers Register to legally provide financial services. There is a requirement to also be licensed by the FMA or the Reserve Bank to provide some financial services. Financial service providers include financial advisers, brokers, building societies, credit providers, credit unions, money changers, finance companies, foreign currency exchange dealers, fund managers, insurers, investment portfolio managers, issuers, and registered banks." So there's already a regime in place put in by this Parliament to protect consumers, and, by law, registered banks need to register as a financial service provider. When we look through this bill, all it does is exactly the same thing. It's Groundhog Day.