Now, this Government doesn't take regulation lightly. We know, with policy responses, the common saying is that there are carrots, sticks, and sermons. Sermons haven't worked with this sector and incentives don't work with the sector. And certainly in the regulatory statement, the officials have said there is strong evidence of conduct, risks, and issues. There have been several thematic reports into bank incentives and soft commissions in the life and health insurance industry and there is plenty of evidence to show that this is a problem and it requires regulation. It requires the sticks in order to make sure that people like John Cavanagh of my electorate and many others in his situation in the south are not ripped off, either intentionally or just through simply an insurance scheme that didn't quite work. 