What is the Minister doing? The first thing we will have to do when we get back into power is deal with how we get one set of responsible code of lending, so we don't end up with multiple codes and we don't end up with multiple jurisdictions. Because the first question with this bill, Minister, is how do you deal? How's a bank, for instance, going to have to deal with the issue of having two competing codes? And, by the way, if you want to make sure unemployment is low, just make the banks and other types of financial institutions go out and hire a whole stack of people to deal with the additional compliance that this bill imposes on them. That is what is wrong with this bill. It is a bill looking for a problem, and it doesn't need competing regulatory authorities looking over and administering responsible codes of lending.