Hon Dr DAVID CLARK: Very good question. In this ever-changing digital world, it's crucial that all people have the same protections, whether they access financial advice from an individual adviser or through the use of artificial intelligence on a digital advice platform. The new regime has been futureproofed, so consumers can rest assured that the same protections apply to both. By enabling digital advice, the new regime will improve access to advice for people who might not be able to afford comprehensive financial advice. I'm very proud to be a part of a Government that puts people first.