Thank you very much, Ms. Pugliese.
My next question is for Mr. Cowan.
I was having a look at your recent podcast, in which you talk about global changes. We've been hearing at times that explaining these is an excuse.
It's not necessarily an excuse. I think it's just important to consider the context.
I have about 50 seconds here. How would you explain how these economic shocks can affect consumer confidence?