Dr DUNCAN WEBB (Labour—Christchurch Central): Thank you, Mr Speaker. I'm very surprised at the attitude of the Opposition to this bill. This is a good bill. The idea that incentives are in some way always all right just beggars belief. We've seen that incentives in the finance sector—particularly around complex products, such as those in life insurance and mortgage products—lead to pressured selling and selling products which aren't needed and aren't appropriate. We've got to be absolutely alert to the concept of conflicts of interest in sales frameworks, such as incentives. That's just one small part of this bill. It's a good bill. It makes a much more robust, honest, and transparent banking sector. I absolutely commend this bill to the House.