Now, a soft commission is when we're talking about individual consumers—retail consumers like you and me. They are commissions where the person, the employee—the member of the institution—is paid, not necessarily in hard dollars, but in a benefit. In particular, an overseas trip might be the reward for selling a particular number of financial instruments—a particular number of KiwiSaver memberships, a particular number of insurance policies, or a particular number of investment schemes. 