But I suppose the issue about extending the date from the second to the third—I know this was sort of a poisoned chalice from the financial institutions' perspective, because they don't want to see this come in, but they did try and get to a point of if they had to have it come in, what would be an appropriate date to give time to put all these arrangements in place. But I suppose it gives an issue about if we're waiting for three years for this bill to come into effect—and the Minister couldn't even answer some of the issues that will be covered by regulation which he was asked about tonight—then I think: why the dickens are we doing this bill? Why doesn't the Government take it back, fix it up, and deal with the regulations so that there's absolute clarity? The regulations and the compliance involved in this is significant. It will require a lot of additional people. Why doesn't the Minister actually go away, do the homework, get it in place, make it clear as to what's going to come in place, make sure it doesn't overlap, or conflict with the CCCFA changes, and actually then put through a good piece of legislation? If he did that, I would think that we may possibly support a bill of that ilk. 