So the world does need protection—people do need protection from these institutions. They are not bad people; I know a lot of people who work in the financial world, and they're not bad people. They're doing the job they're incentivised to do, and that's what this bill is about: making sure we don't provide perverse and wrong incentives to people to actually force them—often against their will, but because they need to make a living—to prey on people who are the most vulnerable. That's what this bill is about. It's just ensuring that people who trust those who come in with a degree or basically come from another side of town than they do, and actually don't have really wherewithal or the ability to stand up and they end up signing on the dotted line. That's why we need a bill like this. In fact, some of the people that this is giving protection to are those who will have been forced, as part of their living, to actually sell these products. 