There are a few pieces there.
The scams prevention framework legislation passed, but it is still in the process of implementation. It's actually a bit too early to say what the direct impact of that legislation will be, although even announcing the scams prevention framework had a positive effect in terms of encouraging collaboration between the sectors.
We have seen a reduction in scam volumes. The numbers are, unfortunately, a little difficult, because there are multiple sources and there are some legitimate questions about the best way to count them. Probably, the worst description would be that they're flat, and every other option is better than that. There is collaboration among the sectors.
We have managed to do some significant pilots at this stage with the platforms. Information has been shared from banks back to the platforms, which have been able to use that information to take down scam content. As the SPF rolls out and comes up to industrial scale, we expect to see it become an even bigger driver of a reduction in scam losses.