Thank you, Mr. Chair, and thank you to both representatives of financial institutions who are here today. We appreciate your comments. Your comments do differ greatly from the figures that have been provided to us, so I'm going to ask you some pointed questions about how you're arriving at your numbers.
The numbers we see coming out are predicated on the fact that, of course, there is this issue since 2021, with the Hong Kong Special Administrative Region saying that people leaving Hong Kong on a British national overseas passport were not eligible to take their mandatory provident fund scheme deposits with them. Has your policy changed since 2021?
I'll ask Madam Hewitt first of all, please.