Now, it's my understanding that this would not, in fact, apply to people with disabilities who wanted to access consumer credit, because the way that the Personal Property Securities Register works is that if you were to buy something like a TV on hire purchase, a debt would be registered against your name. Then that debt would be civilly enforceable and a court could order that that particular item, which you had a registration against, could be repossessed to recover that debt, and that wouldn't be touched by this legislation. Where this legislation would apply—my understanding is—is at the point at which a whole civil debt or criminal debt was to be recovered, and that was at the court-ordered point, where a judge made that decision, and it would apply to all assets. So there would be no need for lenders of consumer finance to extend any sort of checks about what our disabled community might be accessing in terms of their products that they wanted to buy. 