That previous group that I just talked about all seemed to say with one voice that maybe it was the exact opposite.
I believe I've heard you all say, in almost the same terms, that that was the exact opposite.
We've heard others say similar things to what the bankers are saying. It seems like maybe we have a balance somewhere in between, which we see with legislation like this.
As for the retailers, you talked about proposed section 6.1 in what would be the new legislation. You're saying it needs some clarity concerning vulnerable persons. Is that correct?