So this bill that was passed within the last couple of years, the Financial Services Legislation Amendment Bill, was to bring those elements of care to clients regarding commission payments—that if somebody was going to receive a remuneration from selling a financial product, they had to disclose it and they had a limitation to declare that there were other similar products out there in the market place. So somebody couldn't say, "You've got to have this; this is the only product that you need to have and I'm here to sell it to you."