Thank you very much.
Lastly, for Ms. Walmsley, that was a fantastic presentation. I don't believe you made a submission. It's definitely an area of interest.
What I wondered, which we don't probably have time for right now, is if you could give us some comparative examples of where the portfolio-managed situation is disadvantaged relative to the other option and why, therefore, the suggestions or recommendations that you're making would make that significant difference and benefit that group.
Could we just have some of those comparative examples and perhaps a submission of the things that you so eloquently provided to us today.