My question is to the Minister for Financial Services. Minister, the banking royal commission's report was tabled more than four years ago, but still at least 18 recommendations are yet to be implemented. Obviously this is unacceptable and out of step with community expectations, not least because the misconduct discovered by the commission and the harm it caused was extremely alarming and is likely continuing to some degree. Minister, when will all 76 banking royal commission recommendations be implemented in full?