We're going to continue our second hour.
Colleagues, please take your seats. We are running significantly over time, and we are going to do our best to squeeze in a good, solid conversation.
From the Australian Banking Association, we have Nicholas Giurietto. Sir, you're on the other side of the world and it's a different time of day. You have a full day ahead of you. We have a full day behind us, and we're looking to add a bit to it. Thank you very much for availing yourself of us. We certainly appreciate the deep bond and partnership between our two countries.
Sir, you're going to have up to five minutes. I know there's a lot of interest in what you have to say. This is only the second meeting we've held in relation to this study, but the Australian example has been raised on numerous occasions, and we look forward to understanding it a bit more through your testimony.
With that, the floor is yours for up to five minutes.