We would encourage consultation on that point, particularly as it's a regulatory point.
As Michael mentioned, our members certainly already have robust, well-funded programs. I think consultation will help to breathe life into the regulations and help to set a standard that benefits the AML regime as a whole. As Michael mentioned, there may be other sectors that would greatly benefit from a clear pathway here. The banking sector is a leader in this space and through consultation would certainly be able to provide its views to the government on how best to design these future regulations.