This legislation is absolutely a legislation or a solution looking for a problem. And I'll tell you why that's the case. Because the Reserve Bank of New Zealand and the Financial Markets Authority (FMA) undertook two projects looking at the conduct in regards to financial institutions in this country, and that was off the back of what was, rightly so, inappropriate behaviours that were occurring across the Ditch in Aussie. But I can tell you what: New Zealand is not Australia, and luckily it isn't. But I can tell you, in regards to the way in which our financial institutions act, it is night and day in regards to that. Our financial institutions, in regards to this legislation, actually have a number of controls and monitoring and processes in place to deal with some of the issues around conduct that this legislation is meant to deal with. This legislation is not necessary in this country. It's regulatory oversight and burden on a business trying to deal with a problem that doesn't exist. It's not just me that is saying that this is a problem that doesn't exist. The actual findings of the Reserve Bank NZ and FMA review did not find major systematic misconduct when they looked at New Zealand's financial markets. I'm not sure how much clearer one needs to be in terms of a report, but, as I said, this bill is looking for a problem.