So maybe it will make a difference at the margins, but here's what it comes at the cost of—and this is a really important point. Yes, maybe there's a couple of people who will benefit from it, but I tell you who'll be the long-term loser from the provision, and that's the people of New Zealand more generally, and that's the legal environment within which we operate, because Governments should not just go around legislating to overturn contracts retrospectively. I just emphasise for the House: retrospective law is bad—I can't believe I'm having to kind of spell it out. Retrospective law is terrible. Criminal law is the worst, but retrospective law is, generally, bad. Laws that interfere in the sanctity of contracts are bad. They're bad because they undermine the principle of legal certainty and they undermine the rule of law and they make it hard for people to make decisions in a legal context, knowing that those decisions might not be overturned by the legislature later. That is central to a market economy. 