Thank you. I appreciate that.
Our latest budget has introduced open banking. Most countries have had open banking for a number of years. I think Australia is on their third or fourth version right now. I wonder, from your perspective or from the Aussie perspective, whether there's any additional work you need to do to continue to ensure credit quality within our financial institutions, because of open banking or any other work that you feel you need to be doing or thinking about, moving forward?