Are the challenges kind of similar as well? Like how did that ecosystem kind of develop? And are you kind of seeing that kind of same trajectory in Australia as

well? I think to answer that question, you really have to understand the history of credit more broadly in the business context.

Since the dawn of time, since the dawn of business really, credit has played a fundamental role in businesses, right? Whether that was a loan to get started, whether that was trade finance, invoice financing, supplier finance, you name it.

I mean, credit really has always played a foundational role in business more broadly.

And so up until... around the last decade, the banks really were the dominant player.

So if you were a business owner, you needed a loan, talking pre-2008, you were able to access various different types of facilities at the banks.

Whereas we all know the financial collapse or crisis of 2008 really led to, I guess, a reshuffling in the bank landscape and The banks retreated very heavily at the time from the commercial funding landscape and went more so into mortgages in the residential space.

Given what we've been talking about, particularly around the market, is there any products that are trending right now? Things that specifically are quite in demand due to the current nature of the SME lending market?