As Russell McVeagh says, this is a very serious move which will transform the landscape of consumer law in New Zealand, and this will result in people either going to jail or losing lots of money, and at a practical level there is some doubt whether the Ministry of Business, Innovation and Employment, in its research, actually proved the case that this was actually needed in the first place. Now, with my learned colleagues' assessment of oppressive behaviour, the famous matrix has been pulled out of the pack of papers, which does show that oppressive behaviour is probably more formed and designed than unconscionable conduct.