So given all of that, that is why we went and consulted in 2019—about 18 months ago—to say, "Shall we move to a mandatory complier regime system?", and 79 percent of the respondents to that, the vast majority of which were either individual companies or industry associations, supported a mandatory regime, and 84 percent of them said that the international standard that's emerging from the task force on climate-related financial disclosures, led by Mark Carney and Michael Bloomberg, was the appropriate system to use for Aotearoa New Zealand. Why was that? I mean, it's quite astonishing that you would have such massive support from the business sector for a new regulatory reporting regime, and it's because they know that in order to get the efficient allocation of capital, you need full transparency. You need everybody to be able to see everybody else's risk, not just your own, and if I as an individual company want to do the right thing and disclose the risks that I'm exposed to but one of my competitors is not reporting, then I'm actually exposing myself to risk by the very act of reporting, whereas if you have a mandatory regime that requires everyone to report, everyone's cards are on the table and capital can be allocated according to the risk profile of the different businesses.