Thank you for publishing this highly relevant data. Advisers should be seeing the PI insurance premiums on a declining trend. It would be learning to see data %s on (1) conflicts of interest (2) SMSF related (3) other forms of inappropriate advice? Also, the industry professional association should be encouraging restorative justice instead of banning as a last resort, because when an adviser gets banned, there is no program to assist their clients recover, which is [Minister Jones] the consumer is at the core. The adviser gets banned, but if a new adviser takes over, the new adviser's PI insurance premium escalates seriously. If ASIC applied restorative justice when there was no reckless illegality, then the resorted reeducated adviser becomes a high compliance advocate, with the consumer at the core.