Thank you.
I can just expand briefly on what Minister Menzies said. The government's approach in this regard, which is very much its approach in the financial sector overall, is to avoid regulating prices or rates and to encourage competition, clear disclosure, and now the third leg of that, which is to help consumers as much as possible make those choices in an informed way by supporting financial literacy.
It's the government's position that capping fees or regulating rates in a variety of areas is more likely to be counterproductive and that providing consumers with choice and the ability to make those choices is the most effective way.