When I was looking at the select committee report from the Finance and Expenditure Committee and the amendments that were being proposed, I was pleased to see that not only was there a sort of review period being introduced that I think will allow us to examine whether the bill is actually meeting the requests from submitters to properly protect people from the tactics from financial institutions that are sometimes unfair, but also that there are some amendments that seek to clarify, and provide more clarity around, the concept of the fair-conduct principle and the clarity and broadening of that definition that I think will give some space to hopefully just better protect consumers.