Senator DASTYARI (New South Wales) (14:13): My question is to the Acting Assistant Treasurer, Senator Cormann. I refer to the financial advice regulations that Labor tabled last Thursday, and I refer to comments by Mr Michael O'Neill, the CEO of National Seniors, that these changes 'clearly put big business ahead of consumers' and 'these regulations wind back vital consumer protections introduced after corporate collapses left thousands of elderly Australians destitute'. Minister, are National Seniors correct?