Look, there is an imbalance of power between financial institutions and consumers—and, yes, in most cases, the seller does have more knowledge than the purchaser—but trust and confidence in our financial sector is a vital part of our economy, and even if the members opposite don't believe that we need balance or that we need fairness, surely they believe that our financial sector must be strong and stable. If there is no trust and confidence in these services that are provided, then we could have a whole lot of people not taking out life insurance, for example, and something like that, you know, could have a disastrous effect on our economy potential. So we need trust and confidence and, at times, the Government do need to provide some regulation to ensure that stability. 