The government is taking action. I would also again repeat: 40 out of the 76 recommendations require complex legislation. We will be going through the appropriate process to ensure that there are no unintended consequences. We are still waiting for Labor's position on the banking royal commission. Other than weasel words about in-principle support for the 76 recommendations, we haven't actually had a specific position. In fact, when shadow Treasurer Bowen was asked about how they would deal with various things, he pointed out that they would have to go through proper processes to make relevant decisions. To recall the parliament to deal with legislation that is yet to be drafted is not a responsible use of taxpayer resources and it is not something the government is proposing to do; but, of course, we continue to take strong action to ensure customers around Australia are protected.