Senator BIRMINGHAM (South Australia—Minister for Finance, Vice-President of the Executive Council and Leader of the Government in the Senate) (14:19): I would refer the senator to the findings of the ASIC review, which I think did look carefully at the differences in relation to some of these sectors. There has obviously been a rapid period of growth in relation to buy-now pay-later arrangements and with companies such as Afterpay growing and creating a significant and popular arrangement for consumers. The ASIC report highlighted that providers are improving aspects of their business practices. They are expecting membership of the Financial Complaints Authority as part of their operations and they are making information about the complaints and hardship processes more accessible to consumers, while others are now referring consumers to financial counselling services in the event consumers are facing financial difficulty. ASIC, I know, is continuing to collect data on this industry, monitoring changes in it and will continue to do so in terms of the consideration in different sectors. The PRESIDENT: Senator Griff, a final supplementary question?