There is a raft of interjections but, through you, Mr President, I point out that the former Liberal government was not proactive with respect to ensuring that consumers could vote with their feet and switch from one bank provider to another. As I pointed out, the Treasurer, Mr Swan, and the Assistant Treasurer, Mr Bowen, have been very active in pressuring to ensure that we have effective bank-switching in this country so that individuals can move from one bank to another if they are not happy with a range of issues, from the rate they are charged to the fees and charges that apply. At the present time, in respect of bank switching, although there has been—