Yes, it's undeniable that regulatory burden is having a hugely negative impact on the industry to the extent that we've been trying to work with the government to put forward ideas that are either low cost or no cost and things that can be done relatively quickly.
It speaks to what we said earlier about a lack of ambition, in some cases, where we can contemplate things for years and years, but until there is actual concrete action taken, those impacts will continue to be felt.
Since the transformation agenda, as Émilie alluded to in an earlier response, was implemented in 2021, the efficiency rate has declined steadily. We think that sunsetting the transformation agenda would be a very quick and relatively easy step towards reversing that trend.