ANDREW BAYLY: And—no, we did not. And what we saw in it, unfortunately, is the Minister had got hoodwinked by his officials, because that CCCFA legislation provides a framework for a responsible code that has, as its overseeing bodies, the Commerce Commission and the Ministry of Business, Innovation and Employment (MBIE). And, of course, the Minister got hoodwinked, because rather than do what the intent of the bill was, which was to focus on high-cost lenders, what he did is he extended the code of responsible lending from 64 pages to 105, and put in whole lot of stuff about how a bank is supposed to lend to its customers, including—on, I think, page 28—a requirement to review 90 days of transactional history. Now, the Act already provided for a differential approach between our licensed financial institutions, like a bank, and other types, like high-cost lenders. But, unfortunately, our Minister had got hoodwinked or he didn't know enough about it, didn't ask enough searing, searching questions, and passed through regulation which didn't come back through this House—