GREG O'CONNOR (Labour—Ōhāriu): Thank you, Madam Speaker. Tonight, there'll be many people sitting at home around New Zealand who will be very worried about getting ripped off. They'll be worried about losing their hard-won money. A lot of their concerns will be focused on what's going on out on the street, what's going on downtown, because that's what they hear and that's what they'll be watching on telly. But, actually, they've got more chance of actually losing their money or being dissuaded or persuaded out of their money by what happens during the day, during their interactions in business, etc.