You talk to teachers. They'll say, "I came here because I want to help kids, but I spend half my time following instruments and regulations."—often made by the Ministry of Education, the Minister, or indeed this Parliament. You talk to financial advisers. They'll say, "We love what we do, but we spend so much of our time trying to get permission to do work, prove that we've done work, show that we've done work in a way that complies with the rules. We don't actually have the time to do what we really wanted to do, which was help people manage their financial assets to get wealthier." 