The only thing I'd want to add to this debate is a bit of a challenge for the Human Rights Commission that there is a risk with this bill. The risk with this bill is that nobody is compelled to lend their money. If the product of this bill is that those lenders are more hesitant to provide the finance for people's cars, for their computers, for the other things to support them, we will have achieved the opposite of what we have sought with this bill. So my plea is that I would like the human rights commissioner—and I've got a lot of respect for the work of Paula Tesoriero and their team—actually, to keep an eye that the Human Rights Act and the requirement not to discriminate is acknowledged so that we ensure that the intent of this bill to actually extend the support for those people of disabilities is followed through. I don't think it's a huge risk, but I think it's important that the finance companies that provide these services do know that Parliament's intent is to further protect people with disabilities and not to limit their access to finance, and that's why there will be an ongoing role in ensuring the success of this measure and ensuring it does not result in discrimination and less access for finance for these sorts of services.