Thank you, Senator McAllister. As you would know, trustees of superannuation funds have a best interests duty; they have to know their members. This is rather basic information. We would expect that trustees, if they were adhering to their best interests duty, would seek this sort of information from their members as a matter of course. It's extraordinary that trustees, potentially, have been extracting insurance premiums from these members for products that they, potentially, don't need or don't want without this being a problem. I would imagine this will be something that will, in fact, allow trustees to get a better idea of exactly who their members are.