The challenges around putting in place aspects such as this are that while the regulation will impact around setting a charge, I think, in fairness, when you look at the feedback made by a number of the associations, including the New Zealand Bankers' Association, they noted very clearly that there is another way in order to achieve this outcome. And, therefore, the regulatory framework that is being put in place here is not industry led, and National would, if we were in Government—and will be—in 2023, undertake industry-led self-regulation in this space, because that is what's required. We don't need to come down with a hammer on these types of organisations. They're already doing the best thing for their customers and their people, and this type of regulation is a big hammer hitting a nut. I want to just finish off by saying that while National supports this bill, we are opposed in terms of the costs that it will play in a broader sense.