Obviously, we are seeing a jump in the uptake of instalment loans. When we did the survey in 2016 and then did it in 2021, there was a 300% uptake in instalment loans. Instalments loans are definitely becoming popular. That's exactly why we want this move to go ahead. Instalment loans are much higher amounts of debt payable over a longer period of time. A person who has a debt of $10,000 is paying a huge amount of interest and is probably never going to pay the debt that they owe.
Definitely there has been an increase in the number of people who have taken instalment loans. Also, the entire industry has adapted to offering more and more instalment loans—payday loans also. I don't think it's either-or. Both kinds of products are quite common in the absence of fair credit alternatives.