What the Opposition speaker previously failed to realise in his argument, when he said there were no problems in the insurance or financial services industry, was kind of an asymmetric information breakdown between those parties of the contract. All that fundamentally means is that when a person sits down to sign an insurance contract, for example, or takes financial advice from an expert, they are at a disadvantage in terms of the information in front of them. Particularly with insurance contracts, it is not written in for the layman and it becomes incredibly confusing. And that's just in that moment. That's just that time and place where a normal person in a household is trying to figure out what insurance they need to look after their livelihood, their health, and protect their income. Never mind the lack of information that person may have on the history of that financial or insurance institution and whether or not they have a history of serving their customers well—to what degree have they let their customers down, to what degree have they sold insurance products to people with disabilities when those very products exclude the disability that that person has in the insurance contract? I mean, that's still what this House is trying to deal with today.