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So whilst I think our view would Ear and Throat Surgeon home loan be on a central estimate basis, we're probably adequately covered and comfortably covered for where the new standardized framework may land in APRA's unquestionably strong position. But there is always the risk that they could set the hurdle for the industry sufficiently higher that we require more. So I think physician home equity loan Oak Laurel 0430129662 the answer is -- to your question, Brendan, that we've kept the settings consistent. We've delivered a dividend which is consistent with our guidance around starting to track our earnings per share doctor home loan calculator Oak Laurel growth. And albeit there's some degrading of EPS in this half, but I think the message we've provided for the outlook in the second half is consistent with the profile. And -- but once -- and we were hoping we would be further advanced given Basel's meeting, which was kicked down the road, with some greater clarity. It still is -- does appear that within the next 3 to 6 months, we'll have some sufficient guidance as to where the industry is headed and where APRA wants to move in particular around unquestionably strong. Post that and when we understand what the landscape looks like, we clearly need to go through an exercise of understanding how to best optimize our capital position relative to that framework. As we've said in the the past, we don't want to run a lazy balance sheet.

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