BARBARA EDMONDS: Again, if the members on the other side of the House actually paid attention and looked at the bill, they would notice that there is one very clear safety gap, and it was a small change made by the Finance and Expenditure Committee, which was a statutory review in five years' time. So, therefore, instead of whenever they decide to come back into Government, whenever they decide to unpick a whole lot of changes that are about consumer protection, wait for the five years after this bill has been passed, wait for that statutory review, because the Financial Markets Authority, the Reserve Bank, and the International Monetary Fund all believe there's a gap; they all believe that this needs to be changed. This side of the House is committed to consumer protection and therefore I commend this bill to the House.