Mr BOWEN (McMahon) (14:54): My question is to the Treasurer. It has been reported today that the CEO of the Financial Services Council, John Brogden, has said in relation to financial advice: The level of trust as at an all-time low. We need a circuit breaker. Self-regulation is not enough. Treasurer, why is the government so determined to rely on self-regulation when the savings of millions of Australians are at risk?