Hon Dr DAVID CLARK: We have put the review in place sooner rather than later. These are significant changes voted for by the ACT Party, by the National Party, by the Labour Party, by the Green Party, and by Te Paati Māori. These are changes that the whole Parliament voted into existence. We acted early because we want to be sure the Act is working as it should be and we're not seeing unintended consequences. What I would note is that the lending dropped in December, as it does every December—that's a seasonal variation. The lending in the most recent December period was still higher than the lending in December 2017, December 2018, and December 2019. We do want to make sure that the Act is working as it should, and that's what the review is there to do.