I was suggesting that, as any fair-minded person who has had any real-life experience in the financial services industry, or who, as in my case, has been a lawyer to the financial services industry, would know, when you have regulation change—when you have ASIC guidance notes changed and when you change codes of conduct—it just adds to the complexity and cost of financial services. This is an industry that now accounts for over 10 per cent of GDP, and it cannot afford poor regulation.