My question is to the Prime Minister. I refer the Prime Minister to her statement on ABC AM this morning that the financial services sector 'will employ more Australians'. I refer the Prime Minister to the almost 2,000 jobs lost at ANZ, Westpac, Macquarie, Suncorp and a number of other financial institutions. Prime Minister, do these job losses reflect an industry that will employ more Australians or are these job losses simply, in your words, 'growing pains'?