Senator MARK BISHOP (Western Australia) (14:29): Mr President, I ask a supplementary question. It is indeed rich to talk about conflicted commercial considerations when Minister Cormann acts on behalf of four banks and one finance house. The PRESIDENT: Order! Just ask the question. Senator MARK BISHOP: However, Minister Cormann, won't the watering down of the best-interest test and the return of conflicted remuneration mean that under this government consumers will bear the brunt of future collapses?