What has then transpired, of course, is that the legislation came into effect, and it was observed that there was a drop in lending in December 2021. That drop, of course, is seasonal—we do know that in December, generally, lending drops. Of course, December 2021 was actually more lending to first-home borrowers than December 2019, 2018, 2017, and certainly a lot more than under the previous Government, in terms of first-home buyer lending.