Besides the likelihood of regulatory change around cold-calling...

Besides the likelihood of regulatory change around cold-calling and any flow-on impact in terms of possible staff redundancy and costs around changing operating model, until FIG is deemed all-clear after the RC we can’t discount the possibility of any once-off penalties or refunds due to malpractice, which if happens would also eat into the NTA. Clearview for instance copped $1.5m this year. This is although being offset somewhat by any new business since the new FY.