So, to the members opposite, I know that more needs to be done. They are an essential part of modern life. We're dealing with banks, we're dealing with financial advice, and we're dealing with insurance companies, but what we have seen recently—and we have seen it in New Zealand; in fact, the previous speaker himself said that it wasn't as bad as Australia. Well, Australia was diabolical and there were huge problems that needed to be rectified and the Government there put a heavy foot in to change those markets to make sure those organisations were looking after their consumers. I put it to the House tonight that to ask those institutions to put their consumers first—their customers at the forefront of their business model—is not unreasonable at all. In fact, as one of the previous speakers said, long-term benefit to that kind of organisation is good; that's good business practice. But then we come back to this conversation about asymmetric legislation.