This bill is all about improving the conduct of banks and insurance companies. The submissions that were heard in the previous term were all about asking banks and insurers to treat consumers fairly. They wanted us to improve the trust and confidence in the financial market, and one of the small changes that the select committee made, which I think should provide some assurance to the House—because this is a new regime; however, it was a regime that had to fill a gap because there is no fair conduct across the board for all banks and for all insurers—and that's the statutory review of this regime.