So banking is in a very important position: it actually holds a position of trust—and that's good, long term. This bill helps to actually change the culture to a good one. This is a problem, this has been a problem, and it was recognised as a problem by the institutions of the Reserve Bank and the Financial Markets Authority. We're plugging that gap and we're doing it for the consumers of New Zealand and that, yes, will help with the cost of living.