The challenge, of course, and the Council of Financial Regulators (CoFR) agencies have been tasked with this, is to discern what of the reduction in lending can be attributed to seasonal factors, what can be attributed to the global economic conditions, the bank's appetite for risk—we know that the major banks have been asked to de-risk their books by their parent companies—what can be attributed to the LVR changes, what can be attributed to the increase in rates, and so forth? These things are not simple—the official cash rate rise—a lot of these factors, of course, all play into lending decisions. The banks, ultimately, make commercial decisions off the back of all the factors at play in the market, and that's to be expected. They've returned record profits, we've learnt recently, of $6 billion—back to Australia—in the past year. They're making commercial decisions, as you would expect them to. 