Patrick, thank you for your comment. Our intention was to note the change in pattern for Australian investors, who do appear to be looking at diversifying their exposure away from Australian equities. As the report shows, increased allocation to global equities, as well as a move to investment property hint at two ways investors are looking at bringing higher growth and diversification in to their investment and superannuation portfolios. These changes must be seen in the context of the historic home bias Australian investors have shown and that the investors in this report do not have a financial adviser. This risk we speak about is due to changing investment allocation, especially as well as some of these moves appear to be currency related given the universal allocation to global equities when the Australian dollar moved below parity against the US dollar.