Hon Dr DAVID CLARK: I'm not sure where the member gets six months from. This review started within a few weeks. It is true that Australia took a couple of years to work through their changes until they settled, and this review began within a couple of weeks of issues appearing in the media—admittedly, a lot of those media articles referred to loan-to-value ratio restrictions. None the less, we want to make sure that this legislation is working as it was intended when National, ACT, and every other party in this Parliament supported it through.