Now, you could achieve the same thing here with what he's doing about what he calls his fair conduct programme simply by having a provision that the institution is responsible for ensuring that the actions of the institution and its employees and intermediaries are in the interests of the customer. There are already provisions to deal with transgressions such as under the Financial Markets Conduct Act, the provision for the company to be fined up to three times the gain made or loss avoided up to a maximum $5 million for such transgressions. They could do that. There you go. Don't need a big, long rule book. Don't need tons and tons of compliance, proof, and behaviour. Place the obligation on the institution. Make it clear that it applies to employees and how they want to do it with intermediaries. The tools are already there.