Mr. Brian Hanley:

It is a curious model that the worse a broker does for a client, the more money they make. As a business model from a consumer's point of view, prima facie that seems unfair. I accept it is common practice in countries beyond here but it does not seem on the face of it to be fair to consumers that that would be the case. There is also another challenge. For many small businesses, it is not that there is a power imbalance but they are very dependent on their local broker to help them and so on. A larger entity might have some negotiating power but that certainly is a challenge for-----