We worked very closely with the bank in terms of these elements. I would say it's a joint estimate. We have project planning maps, and Gantt charts and all of that under way. We feel relatively confident in terms of this time horizon. There is a significant amount of work involved in terms of both developing the regulations and setting up the operational oversight framework, but we've also been at this for a number of years. Work has been under way for quite some time in anticipation of this legislation coming forward.
We'll have to remain flexible, but we remain determined to bring this forward as soon as is practical.