Senator BRANDIS (Queensland—Attorney-General, Vice-President of the Executive Council and Leader of the Government in the Senate) (14:56): Senator Ketter, I explained that to you in the answer to your primary question, but might I caution you in being so reckless as to suggest that the public does not have confidence in the financial services system. That is a very, very reckless thing to say, and it is not true. Australia has some of the strongest and best and most appropriately prudentially regulated banks and financial institutions in the world, and I would warn you, Senator Ketter, against being so reckless as to suggest that we should not have confidence in our banks, that we should not have confidence in our financial system. Nor, Senator Ketter, is it the case that because, in a system in which there are literally tens of millions of accounts conducted, there are complaints that constitutes a systemic problem or a basis for the public to lack confidence in that system. (Time expired) The PRESIDENT: Senator Ketter, final supplementary question.