So here we are, I'm a director of a small bank, maybe Kiwibank, right? So who am I responsible to? Well, first of all, I've got the Reserve Bank breathing down my neck—and, by the way, most appropriately—to make sure I'm doing appropriate lending and all my prudential stuff and all that sort of stuff. And I've got all that compliance to do—good stuff. Then I've got this infamous CCCFA bill—that new code. So I've had to prepare that, I'm in the process of preparing that about how I'm going to act as a bank or insurance company, how I'm going to act. And then I've got to make sure that MBIE and the Commerce Commission are happy with it. And then, oh, just a couple of months later, well, now I've got to do another code. I can't take the same code, I've got to create a new one, and walk on down to FMA and say, "Here's my new code, is it OK?" Now, you tell me who's got ultimate responsibility between MBIE and the Commerce Commission and the FMA under this bill. No one can say that.