I could give examples, and I may do, if the member wants more, from the Australian royal commission, which found even more egregious examples. They had a royal commission which dug even deeper into the parents of the same banks and found some quite horrific examples of banking and insurance practice. That's the genesis of this piece of legislation. Those very specific pieces of legislation that deal with particular products or services the member mentions are a part of that picture. But the Financial Markets (Conduct of Institutions) Amendment Bill we're debating here today sits over the top of those other bills and makes sure that we have the right principles across them and that everything is joined up, and compliance with those other bills can be used as evidence of compliance with this legislation. It's intended to avoid duplication. Thank you, Mr Chair.