Senator BULLOCK (Western Australia) (14:46): Mr President, may I add my voice to that of Senator Reynolds in congratulating you on your election. My question is to the Acting Assistant Treasurer, Senator Cormann. I refer to the coalition of consumer advocacy groups—Choice, Council on the Ageing, National Seniors, who are with us here today in parliament—seeking to support the future of financial advice reforms. I also refer to the comments by the CEO of Choice, Alan Kirkland, who said: When people receive financial advice that is driven by sales incentives instead of responsibility, they risk losing everything. Minister, is Choice right?