I've taken this approach because conflicted remuneration and incentives are one of the biggest issues driving poor outcomes for consumers in the financial sector. As the Australia royal commission found, in almost every case the conduct at issue was driven not only by the relevant entity's pursuit for profit but also an individual's pursuit for gain. This prohibition on target-based incentives will address the fact that targets create an increasingly strong incentive to sell and therefore can encourage the person making the sale to prioritise their own interests over those of the customer. This prohibition still allows people to be remunerated for sales, but removes the particularly problematic target-based remuneration. 