Mr SHORTEN (Maribyrnong—Leader of the Opposition) (14:11): My question is to the Prime Minister. Today the Senate stood up and called on the Prime Minister to establish a royal commission to clean up the banking and financial sector. Earlier this morning I met with victims who have suffered hardship and distress as a result of widespread rorts and rip-offs in banking—victims including Michelle, spoken of in the last question, who specifically want the Prime Minister to establish a royal commission. Will the Prime Minister now explain why those victims who have tried all the mechanisms outlined by the Prime Minister are wrong to demand a royal commission?