I've got to ask the Minister—and I think in the new process we have in the committee, we're allowed to ask questions and occasionally they'll answer without us using up all of our time. My question is: Minister, on how many occasions in New Zealand in the last decade have banks sold life insurance to people who are dead, and wouldn't you then be able to claim upon that life insurance? In fact, my great-great-grandfather is no longer with us. Can you find me a bank, Minister, that I can go in and take an insurance policy on his life? I'll happily pay it now and therefore be able to claim it. Because actually, unless it is endemic in the system, along with all of the other examples you gave, then, merely, there is a cost to this. 