I'd like to think that I'm a pragmatic person, and there is practical change that sits within this particular bill, and that is that the prevention of financial advisers who recommend that a third party take over the management or disposal of the business or its assets from performing such functions themselves. It does look at what's reasonable, to an extent, and I'd like to think that I'm a reasonable person and, Kuriger, you probably are too. But there are some challenges that come with this particular bill, and when it refers to the conflict management provisions, I guess the question for us all is: are we saying that there's currently no regulations in place for conflict management? I don't think that that would be correct, and that's the challenge with this particular bill.