Hon Dr DAVID CLARK (Minister of Commerce and Consumer Affairs): I will respond to the member Andrew Bayly's questions around the CCCFA to start with. And, first, I do want to thank him and the parties in Parliament who unanimously passed the CCCFA legislation, back in 2019, as the whole Parliament recognised it was really important that we pass legislation to protect vulnerable borrowers. And the contributions through the Finance and Expenditure Committee process meant that we passed a law that the whole Parliament agreed on; the banks agreed it was really important also to protect vulnerable borrowers. So that's the first and fundamental point I want to make.