One of the big areas that came up with intermediaries—and we've seen this around employment law, where there are grey areas of whether people are employees of a company or a firm, or whether they're subcontractors. The legislation tidies this up and, basically, requires all intermediaries to be treated as though they were employees of the company for the purposes of making sales. So that means that the firms have an onus to do criminal record checks on their intermediaries, they explicitly set out the expectations of good conduct, they have robust policies and processes for dealing with misconduct, and they monitor the outcome for consumers. Also, they encourage the disclosure of commission to consumers so that they can mitigate risk, so that means that intermediaries need to be transparent about any commissions that are coming their way. 