I'm here to talk about this bill. What a dumb bill. Really dumb. OK, so she gave an example of a bank person, a bank manager, a bank's, you know, manager of some form, saying that you might like to buy this insurance. OK, all right, imbalance of power—maybe. How about this: you also have to disclose that you're getting paid a commission. And that's the thing: the bank manager still has to say that, because we've had an Act part of our laws since, I think, from memory, just around about the time of the First World War. I mean, even longer than Winston Peters has been alive. It's called the Secret Commissions Act, and I would have thought that she, as a lawyer, would have known that. So that's already there, so you're not actually allowed to take commissions without disclosing it to the person who's paying the bills. So I think it's pretty much covered.