But what we've ended up with is a double-headed monster for financial institutions, with competing regulatory bodies that are going to have to be accountable for—and I don't think this will make a jot of difference to people trying to get a loan, trying to buy a house; all it's going to do is make their loan harder to get and more costly to get. One of the questions I did ask the Minister, which he refused to answer, was: how much additional costs is this going to take and impose on financial institutions who, in the main, do a pretty good job in New Zealand? But we don't know what it is. It's certainly more than $1.4 million. Financial institutions do make mistakes. It could have been adequately catered for in the CCCFA. This is a bit of a clown of a piece of legislation.