ANDREW BAYLY (National—Port Waikato): Oh, good! Thank you to the Minister for referring to the new definition of intermediary in Supplementary Order Paper (SOP) 173. I was looking at that, Minister. It states in the new section 446SA "Meaning of intermediary" that a person is an intermediary if that person is involved in the provision of a relevant service or associated product to a consumer; a person is paid or provided with a commission; or the commission or consideration is paid or provided directly or indirectly on behalf of a financial institution. That sounds pretty cool. But then the definition of what is not an intermediary—this is what I'm just trying to get my mind around. A person is not an intermediary—this is 446SA(2), Minister; just to help you—if the person is involved only as an employee of a financial institution or an employee of an intermediary.