I can confirm that a letter from the banks was received this morning. As to the precise time, I'd have to take that on notice and check with the Treasurer. I can also confirm that the government made the decision in relation to the establishment of a royal commission this morning, which is a matter of public record and which I've already indicated in response to the question by Senator Whish-Wilson. Thirdly, I can confirm that the government always has ongoing consultations on a whole range of matters with all stakeholders across Australia, including the very important stakeholders in relation to important financial institutions.