STUART SMITH: She was overwhelmed by people talking to her about red tape and what we don't want—what's the sand in the gears of the economy. It is red tape, and that's what this bill is all about. We've got this on top of the Credit Contract and Consumer Finance Act. As my colleague Andrew Bayly said earlier in the day, 6 percent to 10 percent of loans didn't go ahead because of the effects of that particular bill. We're going to see a similar impact from this sort of thing as well. It's well intentioned, but good intentions are really not enough; this has to be a much better effort from the Government to actually not bring in unnecessary laws such as this one. We oppose it. We are actually a party that stands for smooth and necessary regulations, not unnecessary ones.