Now, this bill does not set out to make that judgment in itself, but it does require institutions to set up rules for themselves as to how they will conduct themselves to set up understandings in institutions as to what is a reasonable way to remunerate sales staff and what is not. I think it is worth remembering that, in terms of these so-called sales staff, in some institutions these are bank tellers. They are financial advisers. Their objective is to help a customer or a client to structure their finances as best possible, but their advice is being skewed by the presence of a commission. So how do we get institutions to regulate that? Well, we invite them to think about them themselves, and this is what this bill does. 