Andrew Bayly was talking about interest rates. Allegedly, he was once an international financier. He couldn't even tell us what our own Reserve Bank could borrow money at. He does really need to do a little bit more research before he stands up. This is a bill we went to the electorate on. It's a bill we have a mandate to pass. We would be dishonest and in breach of our election commitments if we didn't do exactly this. This is a bill that makes New Zealand fairer, and I'm very proud to support it in this House.