Senator IAN CAMPBELL (Parliamentary Secretary to the Minister for Communications, Information Technology and the Arts) (10:16 AM) —I suggest to Senator Ludwig, if he wants to be consistent, which I would never accuse him of being, that, if he thinks that we should just rely on the ADJR and the Banking Act, then we should take out of the SI(S) Act item 5, schedule 3, which I described earlier and which ensures that those decisions be reviewable. In other words, we just rely on the ADJR across the whole thing. When we come to debating that, let us see the Ludwig amendment which takes out the reviewability of those decisions. Let us see some consistency. We have had the debate; we have a half-baked measure that is about to get supported here. It is going to undermine the regulatory regime of the Banking Act, but the Democrats are happy to support that and to put consumers at risk. Let us move on.