We do support some of the aspects of this bill. There are some important issues in it, and we do support, of course, a strong banking conduct framework, but where I think they go too far is in relation to setting rules for sales incentives by regulation. There's two important parts to that, and the first one of those is that we said it's heavy and disproportionate to, essentially, hand a power to Government to say that there could be a blanket ban on any sort of sales incentives and, in particular, my colleague Melissa Lee has laid out the concerns that we have in relation to that. The second important point is actually that it's taking away the power of Parliament to do that and giving it to a Minister to set by regulation and so there'll be no scrutiny of that decision by Parliament, and that is pretty concerning to me.