The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry in Australia actually found widespread abuses within the financial sector, which has actually led to a raft of legislative and regulatory changes in Australia. In New Zealand, following that royal commission, the Reserve Bank of New Zealand as well as the Financial Markets Authority launched its own review into the conduct of our own banking industry, the financial services sector, and the insurance sector. What they found was that there were some concerns, some small number of conduct issues related to poor conduct by bank staff, but it wasn't a widespread misconduct like the one that they actually found in Australia.