 Let us move on from that one there. He is Simon Michelle, no mucking around into bonds. We go with some gusto, except there's a bit of a chink in that scenario. Political uncertainty has rather affected that 10-year note. Has it not in the U.S.? Yes, and look, it certainly has, and we've certainly seen some downward movement in yields. They're off about a quarter of a percent from their peak earlier this month. So fairly significant movement. The 30-year U.S. rate below 3% again down at 2.98. And this is really about people re-evaluating their expectation after the political turmoil we saw in the U.S. in relation to healthcare. What's that going to affect taxes? How's that going to affect fiscal policy? How's it going to affect growth? And how's that going to affect inflation? And all of those are being downgraded at the moment, and that's reflected in those lower yields. All right, some foam on the runway from the reserve bank by contrast, or just do nothing and wait for a real fire to emerge? I think the second... I think we're not going to see a lot of action. I think it's going to be a very, very quiet meeting next week. You know, let's face it, you know, the RBI would have to do something fairly major to take a bit of focus of what's happening in the U.S. at the moment, driving rates. So, look, I don't expect to see any move there. Look, interestingly, obviously, as the U.S. rates have fallen, the comparative margin of ours increases, the dollar increases on the back of that. So, you know, we're certainly, of the view, U.S. rates moving down is moving in the opposite direction of the RBI. What's intriguing is that we're at 76, 83, or thereabouts against the greenback. Now, career-fying wrong, May of last year, we got to cut at 77. So we're barely, what, less than 15 bips off that level, and we're not saying the reserve bank even has to insert an easing bias into the statement? Look, I think that, you know, what they've tried to do is they've tried to sort of stand on the sideline, really, essentially. And, you know, we have seen commentators calling for lower cash rates. We are equally seeing other commentators that just rates need to go up. But it's been really driven by central bankers around the globe, you know, by Europe still throwing money at the situation, by Japan, China seeing, you know, a couple of positive signs out there, and what the U.S. does. We've seen, you know, increase in December. Oh, you're exaggerating. This was meant to be the year of fiscal reform. Getting your house in order and actually doing, rather than basically outsourcing to central banks. It sounds as if someone didn't get the memo. Well, someone certainly hasn't got the memo. I mean, you're absolutely right. Central banks are still at the wheel, unlike, let's continue. I mean, we saw earlier this year, for example, the U.S., they're going to sit on their $4.5 trillion of treasuries, and not only are we starting to sell those down. So you're right, Carson, absolutely. All right, well, I mean, talk is one thing. But as we know, in the meantime, the commodity story that was looking so enviable, certainly for the ex-checker, is starting to look so, so ropy as it not. I mean, look at that oil price for one. This is true, absolutely. That's right. And that's certainly got an impact on growth moving forward and inflation, obviously, as well. And it's been a bit of a key driver to the softer, you know, expectations and that pullback that you've seen in, you know, in the U.S. We had one of the Fed members, Charles Evans, come out, and he sort of suggested that he doesn't really see U.S. core inflation getting up to the level that the U.S. is starting to build into its future forecast. So we are seeing some unwinding of that. Simon, it's now the time to be flirting with green bonds as our biggest home loan lender is doing. What do we make of this? The five-year green bond from CBA. In an environment of uncertainty, will there be significant long-term believers in this one? Well, it's interesting. I mean, CBA's the last of our four major banks to issue a green bond or a climate bond. These really have been issued on the back of demand from investors. So you have a lot of superannuation funds. You have a lot of private funds out there that really want to start bringing in a bit of an ethical screen on their investment. So we saw the first gender equality bond issued by one of the major banks a couple of weeks ago as well. And that, again, was driven by a lot of the super funds that want to start incorporating more social-responsible investment into their portfolios, not necessarily driven by the issuers. Yeah, call it ethical and she'll be right. Thank you, Simon. We'll talk to you soon. Thank you, Charles. What's very best? Simon and Michelle there from FIG. We take a really short break.