Also, and this is probably one where I think this will be welcomed by the industry: poor accountability at senior management and governance level for conduct. Anyone who's sat on a board will know that if you're on a board, a commercial board, your job is to look after the share price, your job is to ensure that you give a return to the shareholders. Well, of course, if that's the only thing that was governing you—and we've seen a lot of that; we saw that particularly in 1987, we saw it in 2008, we generally see it whenever there's a downturn. People get away with a lot when the market is climbing upwards; it's only when there's a downturn, if the swamp drains and the stumps are left exposed—or the monsters, some might say, are left exposed—that we actually understand what has happened. So this actually gives a protection. If you are board member—which, of course 95 percent of our people sitting around boards are decent people trying to do the right thing; legislation like this, or guidelines, if you like, ensures that those people are not going to be dragged down by a rapacious adviser, maybe even a CEO, whose own salary might be dependent on taking a certain course of action. So this gives the protection that these organisations need.