My question relates to the licensing and oversight of mortgage brokers. The minister would be aware that something in the order of 40 per cent of mortgages are now prepared and organised via mortgage brokers, which is a marked increase over the last decade. My office and I have, because of my interest in this area, received a number of complaints and calls of concern about mortgage brokers from not only residents in my electorate but also people outside of my electorate. One young lady contacted my office a couple of weeks ago and was very upset. She said that a mortgage broker had—