The question is: why wouldn't you have made sure that you actually got the Credit Contract and Consumer Finance Act legislation right rather than try and go and create a whole new plethora of legislation requirements under this and all the attendant costs? Because I think, at the end of the day, what we're going to end up with is competing jurisdictions that these institutions are going to have to be accountable to: FMA, and then, on the other side, the Ministry of Business, Innovation and the Employment, and the Commerce Commission, and out to the side the Reserve Bank. Who has priority? Who do I respond to? How do I make sure this code is not competing with another code, and how do I know that the FMA is not going to reinterpret the code to suit their ends? That is the inherent conflict of what this legislation is about.