This bill is the final piece of the Government's response to misconduct issues in the banking and insurance sector. So, effectively, this piece of legislation sits across the top—an umbrella-type regime, if you like—across things like the Financial Services Legislation Amendment Act, the Credit Contracts and Consumer Finance Act, the Fair Trading Act, and the Consumer Guarantees Act, those pieces of legislation that are responsible for specific parts or regulating particular products or services. This is the regime that sits across the top and ensures that there are principles, and if there is compliance with those other regimes, that can be brought as evidence of compliance with this regime, so there is not the duplication. 