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Just over a third of the settlements in London were affordable homes, impacting both the average price and margin contribution. While the default rate across the apartment portfolio remains below 1%, we have provided for potential defaults. In Australia, we're working with our buyers that require more time to arrange their finance. Notably, we are seeing increased use of alternative non-bank sources of finance and also a higher proportion of cash buying. The development platforms in Asia and the Americas remain in the investment phase. As production on the pipeline ramps up in these regions, we expect they will start contributing in future periods. Construction EBITDA physician home construction loan Oak Laurel www.oaklaurel.com.au 0430129662 was up 45% to AUD170.2 million, driven by an improvement in margin, along with higher revenues. The Americas margin rebounded strongly, while the Australian doctor home loan program Oak Laurel 0430129662 oaklaurel.com.au margin eased. The Europe business continues to be impacted by the challenging market conditions of recent years, while Asia broke even with the focus currently on building out the internal pipeline. Investments EBITDA climbed 19% to AUD288.4 million, driven by an improved performance in Australia on the back of FUM growth and higher investment income and a return to profitability in Asia. The latter was a function of devaluations in the prior corresponding period and higher investment income in the current period.