I will now cover some key aspects of the bill and the work of the select committee on the bill. Fairness is essential to building trust in the financial sector, which is why the bill introduces a fair conduct principle—that is, for financial institutions to treat their customers fairly. The fair conduct principle lies at the heart of the bill. Some submitters requested further clarification of what it means to treat customers fairly. In response, the committee recommended inserting a non-exhaustive list of factors into the bill of what treating customers fairly can mean, and this includes "acting ethically, transparently, and in good faith; … assisting consumers to make informed decisions; and … not subjecting consumers to unfair pressure or tactics or undue influence."