Earlier Dr Deborah Russell also gave an example of the sales incentives and the commissions that she was apparently particularly concerned about. I think when there is bad behaviour we all are concerned about it, but one of the examples that she actually gave was that there was an increase in sales which was correlated with the increase of overseas trips. I wonder if she actually really believes that that example that she gave was, in fact, proof of misconduct or the fact that there was harm created to consumers. I'm not so sure what that example was supposed to have been. It just goes to prove that this Government has no concept of business, that sometimes incentives for salespeople who actually—I mean people have to sell products. Salespeople are very good at selling products, and often they do not take a salary. Often they are on a very bare sort of contract that gives them some sort of an incentive payment for the amount of sales that they actually make. That does not equate or does not actually mean that these people are selling a bad product, or that their behaviour or the very fact that they are very good at sales does not mean that they're actually creating harm for the consumers, or that there is, in fact, misconduct actually happening.