GREG O'CONNOR (Labour—Ōhāriu): Thank you, Madam Speaker. In a previous life I was a detective, and when I was assigned to the fraud squad, it was with much trepidation that here was I, a country lad from the West Coast; what did I know about fraud? However, the advice I got from my detective sergeant was that, actually, my job was to make things easier and clarify them so the jury can understand them. To a certain extent, that's what we're actually doing with this bill. Yes, it is a bill that is pertaining to some very complicated financial issues; however, like many of these things, it's only once it is removed that we suddenly realise how important it is.