And I think it's useful to talk about the review that the Minister referred to last year undertaken by the Financial Markets Authority (FMA) and the Reserve Bank. I actually sat on the select committee last year—I think it was last year—when the FMA and the Reserve Bank fronted up to the Finance and Expenditure Committee and talked about their big review that they've undertaken into the insurance and the banking sector. And the broad conclusion was "We found no systemic issues." Right? That was the clear takeaway. But what happened? There were some examples. And I was trying to talk about this last night with Mr Todd McClay, my good colleague here, and thinking, "How many banking and insurance transactions take place in New Zealand every year?" And I thought he said 4 billion last night, but I'm not sure. There must be billions of transactions that take place. And sometimes people make some mistakes.