Ms Suzanne Sweeney:

First Citizen Finance repaid our facilities earlier as it had raised funding through Deutsche Bank, which is public knowledge. That was positive because it was able to raise a wider range of funding to fund a wider range of products. We were a catalyst to enable it to get up and running with that. With all our on-lenders, we incur due diligence and legal costs. We recoup those from the on-lenders once they get through that process.