I can understand product manufacturers in terms of insurance, superannuation, credit products and those kinds of things, but they're still being flogged by financial advisers while they're in the sandbox; correct? That's why the exemption is there in the first place. It could even be that their business is being sold wholesale—lock, stock and barrel—to Facebook or whoever it happens to be. At the end of the day, the exemption is for financial advisers. What roles are the financial advisers playing here?