I'd like to take the example that Mr Smith took of a scheme where you pay your employees—you incentivise them to sell a product. In something like banking, there is a power imbalance. People go along and they trust the person who is giving them that advice. There is a conflict of interest here, because the person giving them the advice may actually need the money that comes from the incentive, especially if it's a sales target where they are actually being required to sell a certain number before it clicks over. On that last sale, how much pressure do you think is on that worker? How much likelihood is there that, in fact, it really hurts the person; it doesn't help them?