Hon Dr DAVID CLARK (Minister of Commerce and Consumer Affairs): The banks, the Opposition—and I acknowledge ACT in this—and the Government are all on the same page when it comes to supporting the intention of the Credit Contracts and Consumer Finance Act (CCCFA). We want to stop vulnerable people from finding themselves in unaffordable debt. I've followed the concerns raised by consumers closely, and that's why I have asked the Council of Financial Regulators to review whether the reported outcomes of the CCCFA are either attributable to the Act's intended protections, whether they've come from unintended consequences, or whether they are attributable to external factors like the global economic situation. As for the economy, I'm sure the member will have read, as I did, with great enthusiasm, the Minister of Finance's good news from earlier this morning: the economy overall remains strong and resilient. It grew 4.9 percent over the last year and outperformed most of the countries we compare ourselves with. Unemployment is at record lows and wages are rising.