Now I want to say something about sales incentives and the Government's Supplementary Order Paper before I close. Sales incentives can create conflicts between the interests of those who are selling or advising on products and services, and the interests of consumers. Those conflicts can cause sellers or advisers to prioritise their own interests over the interests of their customers in the pursuit of a reward. I understand that incentives are an important part of remuneration structures for salespeople and financial advisors. However, it's also important that financial institutions turn their minds to the potential risks when designing or managing these incentives. The bill requires, therefore, financial institutions to have effective systems and controls in place to mitigate or avoid consumer harm from sales incentives. 