GREG O'CONNOR (Labour—Ōhāriu): I'd just like to correct that previous speaker, Andrew Falloon—that we've had an inquiry into New Zealand. What Australia had was a royal commission of inquiry with the ability to summons people to the inquiry, and anyone who has been subject to a commission of inquiry, particularly a royal commission of inquiry, will understand they leave no stone unturned. In New Zealand, what happened was the Financial Markets Authority and the Reserve Bank wrote to the banks and asked them if they were engaging in the sort of behaviour that the Australians had done. Funnily enough, they said they weren't. Well, that was our commission of inquiry—a good old Kiwi one.