Hon JUDITH COLLINS: Well, thank goodness that they were strong enough to help get us through the global financial crisis. Thank goodness that they were strong enough to help get us through the COVID period. The last thing that as a country we should wish is for our banking to be so small, so tiny, so incapable of withstanding world shocks or economic shocks—the last thing we want to see is our mum and dad Kiwis, and even those who are not mums and dads, losing their homes or losing their businesses because their bank has just lost their business.