There are better ways to deal with this. There are better ways to ensure that businesses are transacting and behaving appropriately with their customers. I fear that this is rooted in this belief on the other side that if you're doing something for profit, you're bad, and if you make profit, it only comes at the expense of doing over your customer. That is not the case in the real world, at least. It might seem so in some of the hallowed halls in this place, but it's not the case in the real world. The simple solution, as I have said, would be to place an obligation of the best interests of the customer certainly on the institution—it could be done down to an employee or someone with a sales incentive—and then let the mechanisms and the penalties which exist in our law today cover that. Get it right. Get the penalty right. Every incentive will be there for the business, its management, and the employees to act—