I would just reiterate that the one concern we have in this section is the fact that it's targeted at next of kin rather than, more generally, family members being able to disclose.
There's not a definition of next of kin in the legislation, so it's hard for us to interpret that as institutions. If you take a vernacular view of it, then it could be fairly broad, but if it's based on family law, then it may be very restrictive in terms of who we could actually disclose to.
We'd like to see it expanded out a bit. You can imagine in a small town or someplace where a credit union is fairly prevalent that there may be knowledge by the credit union staff that the person who is actually carrying out the financial abuse is, say, the person who's next of kin.
I'll leave it at that.