The second way the bill deals with incentives is via the creation of a regulation-making power which allows for the prohibition or regulation of particular incentives and practices. Cabinet has already agreed to prohibit incentives based on value or volume targets. I'd like to take a moment here to provide an example of what we mean by value- or volume-based sales targets and the potential harm of them. Say an adviser will receive a thousand-dollar bonus for selling 10 insurance policies. The conflict of interest for the adviser to sell an insurance policy at the start may well be very low. However, at the point where the adviser has sold nine policies and only needs one more to get the thousand-dollar bonus, the conflict of interest between the adviser and the consumer is high. At the point of sale, the adviser has their own interests to consider as well as the consumer's. This conflict can lead to harm such as consumers having less favourable policy terms than before or consumers being sold products they didn't need. People are still able to be remunerated for sales and advice. However, these two constraints will address particularly problematic, conflicted remuneration and ensure that risks to consumers are mitigated.