So what the bill does is it ensures that banks and insurance companies are licensed by the Financial Markets Authority, and it also seeks to reduce harm to customers by making sure there's fair treatment, and that means including due regard for their interests plus intermediaries. It establishes and maintains a fair conduct programme and it requires compliance with it, and it creates a regulatory power to stop volume and value targets, or soft commissions. This is a case where somebody is told that if they can get a 10th consumer over the line to buy a particular product such as insurance, they may, say, win a trip overseas. So the incentive on the intermediary or on the salesperson is about getting that sale at all costs, rather than considering what is a win-win outcome. 