On the issue of why we're acting at this time, we had to make sure that we got this right. Many governments have tried to tackle this issue, and they have failed. We took the necessary time, including studying the report extensively, to make sure that this happens.
This will be sorted out in the code of conduct, the training, the disciplinary processes, and the tiered licensing systems that will be set up by the college. That's our expectation. They'll do the work necessary, and the government will set the direction.
As to what the college will map out for its members—what is and what is not ethical or unethical conduct, or what is competent advice and what is beyond the training—that is something they'll develop. They'll develop that training. They'll develop that licensing process. This is something they'll work on with their members to ensure that clients are protected.