So why don't we try another one, I'll give the Minister another chance. We'll go back to the primary legislation, clause 6A: "Section 389 amended (Exemptions from need for market services licence). After section 389(3), insert: Exemption for service of acting as financial institution (4) A person is exempt from the licensing requirement under section 388(ca) in respect of a service to the extent that the service is a prescribed exempt service."