I'd also like to thank all the submitters who considered the bill and took the time to provide feedback for that committee to consider. The committee received 30 written submissions on the bill from a range of industry parties. Two of the common views expressed were that buy now pay later products and, secondly, American Express products should be directly regulated by this bill. So I note here for the House's benefit that the Government is separately considering wider questions around whether and how to regulate buy now pay later products. And officials have received feedback as part of a submission process and are working on that as we speak. My priority for buy now pay later products is to address any triggers that cause consumers to experience financial hardship.