The members of the Opposition seem to have their eyes wide shut. They seem to be unaware of the need to have a much greater standard of fairness in the financial sector, as Deborah Russell alluded to. Yes, there is already a licensing regime, which the Financial Markets Authority can administer, but what this bill does is build on the results of the Australian reviews and the reviews which have been done in New Zealand, which highlighted that issues like incentives, which were based around targets to sell particular volumes or to sell to a particular value, which rewarded the adviser with trips overseas, soft rewards like that, ended up being to the detriment of the customer and focus more on benefiting the sales adviser rather than benefiting the customer. They resulted in, as one of the reviews showed, a tetraplegic being sold life insurance which excluded tetraplegia; so it was, essentially, meaningless.