We are opposing this for the same reason, actually, I believe, we should have opposed the Credit Contracts and Consumer Finance Act (CCCFA). We shouldn't have taken the Minister at his word that it was a good piece of legislation and it would help. We shouldn't have taken him at his word when he said that it would only focus on the parts of the industry that were harming people, because it has done a lot of harm across New Zealand to many people who now find they actually either can't get the bank loans they need, or the cost of those bank loans has gone up because of the long bureaucratic processes and information they must provide for the banks to make decisions that were easy previously. I fear this will be exactly the same thing.