We should not be debating this in the House, and we should not be debating it in select committee, because this is the type of thing which spans multiple Governments, over much time, and should involve all of us in this House in making sure we get the right outcome. But here we have a Government who has got outright control of this House, who's going to ram through this legislation like they did last time. I think this is something that's cutting to the core of how we manage the financial system in New Zealand, and I think it's wrong—I think it's wrong. That's my first principal concern, and I've only got four minutes, so I'm going to have to leave some of this to my good colleagues here.