But Elizabeth, in terms of the organisations you're helping go down that merger path, what are some of the things that you suggest to boards to be considering when they might even just be in the very early stages of thinking about mergers?

It's a great question.

I think what Victoria's talked about, about that merger readiness is absolutely fundamental.

I think the sector as a whole, there's so much of a sense of people are in it because they're passionate about what they're doing.

They want to serve.

And it can be so easy when an organisation comes to you as the board sitting around that board table to have that sense of, we want to do the right thing.

If not us, then who are going to help these people? What is the future of this organisation going to be without us? And that's a wonderful attitude.

So I'm assuming there's going to be some tax, stamp duty, all sorts of implications that directors may not have considered when they first come up with this idea that emerges a good idea.