I remember a time when people were being charged for insurance for something that ACC covered. So they were paying money they didn't need to pay for something they were going to get in another way. It felt like trickery because it was trickery, and it wasn't helped by things like incentive payments, which made that absolutely tempting for people within the industry. I'm glad to see principles like this come into our law and be expected of our people, because these things hurt real people.