I'm running out of time and I certainly don't want to go over, Mr. Chair.
In your findings, the area of creditor insurance is a big one when it comes to the cross-sell with financial institutions. It even spills over when delivery models, such as mortgage brokers for example, are also compensated in the sale of insurance, in some cases. The commissions and the profits on creditor insurance can exceed the profits and compensation for individuals to the actual credit product that it deals with. Does this concern you, as far as how that affects motivation in sales is concerned?