The implication of this bill is that how banks and other regulated entities have to manage their marketing aspects and operations through an intermediary are now subject to a great deal of scrutiny and oversight. The biggest strategic issue that's happening—and I see it from this Minister—is that there's been such an avalanche of legislation that's been imposed on the financial sector. We've had, more recently, the credit contracts and consumer finance (CCCFA) legislation that's turned out to be an absolute disaster—and it's still subject to the Minister reviewing it. But we've seen major issues with banks and other financial institutions in the way that they now conduct and undertake lending, and there's been a decline in the availability of finance and much delay in banks and financial institutions providing funding to hard-up New Zealand businesses, to individuals wanting to buy a house, and all of those sort of aspects. And that is a result of hastily imposed, poorly thought-out CCCFA legislation.