When I tell the whānau back home what this bill is about, I say that it's about doing what we can to protect our disabled whānau and their caregivers when the debt collectors come knocking. That's what I say, and they get it really simply, because that's, essentially, what it is. Anything that we can put in place to be able to protect our disabled whānau and their caregivers has to be acknowledged, and that's what we're doing here today. Previous speakers before me have gone through the nuts and bolts of this bill, and I want to thank them for that; so I'm not going to delve into that kind of detail.