The last thing I want to get in here, while I have a brief window on this, is that there are 56 recommendations. That's obviously a lot of recommendations.
We've identified the heart, needing to get to stage five, both for the industry and for the regulator.
Looking at the priorities, every government has to make priorities, and 56 recommendations are a lot. Which are the most significant for the government to focus in on, structurally speaking, to get both the industry and the regulator to that stage five? They may not necessarily be the lowest-hanging fruit, but if you were to distill this down to the most significant three or four recommendations that will really push this thing forward, what are those?