Hon Dr DAVID CLARK (Minister of Commerce and Consumer Affairs): I did forensically listen to the member Andrew Bayly's contribution, and I identified a question in there, which I'm going to address, and that was, really, where does this bill sit in the landscape of regulation. As I said—and so I'll repeat it for the member, because he may have missed it in my initial contribution—by introducing a conduct-licensing regime for financial institutions such as banks, insurers, and non-bank deposit takers, we are ensuring that we treat customers fairly. 