I don't see any reason to do them individually, because they're all related to clause 178 and implementing the framework itself.
My question is simply this: Ms. O'Brien, how long is it going to take for this payments framework to be in force and in effect? There's legislation and there are regulations that have to be put in place, and probably some additional policy work around that. How long is it going to take before all of this is in place and effective?