Can I say, one of the goals of this bill is to protect the interests of the consumer, but it was probably less than two years ago that this House passed a bill called the Financial Services Legislation Amendment Bill. The purpose of that bill required all people who give regulated financial advice to comply with standards of ethical behaviour, conduct, and client care. So what we are doing today is Groundhog Day—we're doing the same thing two years later because this Government doesn't have a strong legislative programme. We are repeating what has already been achieved. 