The Financial Markets Authority and the Reserve Bank did do an investigation. They did not find systemic problems in this area in New Zealand. They said there are things that might be or could be addressed, but they didn't say there is a huge gap that insurance companies and banks and others are taking advantage of and that there are consumers up and down New Zealand who are being ripped off. But I tell you where they are being ripped off, again and again and again: it's by this Government who believes that the very best way to show that they are hard-working is to pass more rules and more regulations that cost money that are passed on to those consumers. 