I don't mean to interrupt, but I'm going to run out of time.
It's just a fundamental question of understanding the interbank lending rate challenge. Four of the major banks showed higher than expected profits, so there's a disconnect there between being able to say that their costs have gone up because of those costs internally and they therefore must charge more, when at the same time the four major banks are showing higher than expected profits. It's that reconciliation we're having trouble with.