If you think about that triple CFA legislation, and that this same Minister stood in this House last year and gave an absolute guarantee and assurance that the legislation was necessary and needed and it would protect the consumer and it would make sure that lenders weren't taking advantage of them all up and down the country, well, actually, it's the Government that's taking advantage of them with that legislation because that Minister was wrong, and we find that now the banks and others and the lenders have had to interpret the Government's desire to make the consumers safer when they want to borrow. And guess what? So many of them are not getting to borrow anymore in New Zealand because the legislation the Minister stood behind and said was good and wouldn't harm has meant that banks have got to go and have a look and see whether people are buying fish and chips, we even find. Can they afford that mortgage? Mortgages they could have afforded before they no longer get loans for—they don't get their homes. 