So in closing, the bill completes the Government's response to misconduct issues in the banking and insurance sectors, and sets in place an important regime to ensure consumers are treated fairly when they deal with financial institutions. Once the bill's passed, the FMA will work with financial institutions to ensure they're prepared for the new regime and for licensing applications to open in mid-2023. The intention is that the regime commence in early 2025. I'm very much looking forward to the discussion at the committee stage of this debate, but hope that those opening comments may provide some guidance as to why we've taken the steps with the SOP and why we have continued to operate with the scope such as it is.