So the first thing we'd like to say is: we don't think it should come into force at all—it shouldn't come into force. This is a wasted bill that is going to impose millions of dollars' worth of additional cost and compliance costs on banks and make it harder for them to lend. It's going to drive up their prices and also make it worse for ordinary New Zealanders trying to access credit. This bill should have been captured under the Credit Contracts and Consumer Finance Act (CCCFA), and we should have done that properly rather than muck that up. And so our first point is it shouldn't have taken place. We shouldn't even be discussing this. 