So I now turn to some other non-tax measures. Credit contracts legislation amendment: the Government also proposes to change the timing of various measures introduced by the Credit Contracts Legislation Amendment Act 2019. Some protections relating to high cost loans only are proposed to be moved forward. They are: a limit on the accumulation of interest in fees capped at 100 percent of loan principal, a prohibition on charging compound interest, and a cap on default fees. These protections were intended to commence from 1 June 2020. These protections were always important and now they are urgent. The proposed new commencement date would be the day after the bill receives Royal assent. 