But, look, this is a really important part of the infrastructure around protecting consumers of banking and financial services. We've seen the Retail Payment System Bill proceed tonight, and this is essentially part of that but it's much more around conduct. It's flowed on from some of the troubling matters we saw come out of the Australian inquiry into banking where services were sold to customers quite unnecessarily, and some corollaries—not quite as egregious, but nevertheless some deep concerns—that sales and products were being given to consumers driven much more by commissions and profits than by need.