Hon Dr DAVID CLARK: I know $1.4 million is nothing to Andrew Bayly but to a consumer who is struggling with the cost of living, or with any other particular issue, $1.4 million might be quite a lot of money. To the National Party, nothing; they'd rather defend the banks' rights to carry on doing loose processes. But after that review, they then set about looking at other examples, to see what else was out there.