Andrew, what kind of response should lenders be having on this? What are the issues on

the lender side? On the lender side, it's no surprise that cases like Jenny's are a challenge.

I think one of the biggest problems you've got is that the mortgage process generally within the industry is inherently process driven.

But, you know, as Claire's just articulated, there's so much to unpack within a case like Jenny's that there's always going to be an element of flexibility and judgment that's required.

And, you know, from a lender perspective, that's generally going to create a bit of tension.

You might have, you know, standardized underwriting.

You might have some system-driven underwriting that's at play across the industry.

So how will AI play into this? Is it going to disadvantage the victim survivors or will it allow for greater scrutiny, cleverer scrutiny or more time for the advisor? Andrew, what's the lender perspective on this?