We have a highly regulated banking system in Australia. It is highly regulated, it is well capitalised and it has functioned well, particularly in times of crisis where we have seen failures in other economies, particularly of big financial institutions. We have not seen that here because of not only the capitalisation they have but also the highly regulated environment that they operate in. We believe strongly in a competitive and profitable banking sector, we believe it's good for the economy and we believe that the regulations that exist now are appropriate.