I'll respond to one more matter that's been raised by the member Andrew Bayly, and, obviously, then I must vacate the chair. On the matter of whether the regulations chose to be neutral on the matter of whether we're regulating banks or other lending institutions, we have, consistent with the legislation, chosen to be neutral. We don't want to privilege one part of the lending sector over others. We believe that there should be competition, and we recognise that, according to survey research, people do fall into hardship. Eighteen percent, actually, of people described themselves as in moderate or severe hardship on an everyday level when consumer surveys were done, which was part of the reason, of course, that the whole House supported the legislative change, and that was not restricted to lending types that were not banks. Banks were included in that wider figure. Now, it is true that some of those other lending institutions probably have more dubious track records, but it seems appropriate to have the same protections and a level playing field for all lenders.