one thing to watch out for as we get into the testimony from phil lowe and michelle bullock.terms of the way they structure responses. who takes the reins. does phil lowe take a step hike and allow michelle bullock to step into the limelight given she will be -- haidi: tober. -- october. and or does he have to -- kathleen: october. and or does he want to have his say on what he did, why he did it. people will complain too hawkish, maybe too slow at times. this is his swansong in a sense. interesting to see what he says. all of these -- the big overhaul. they want a different rba. it is one thing to put something on paper and say you don't want groupthink. you want to have more diversity in terms of backgrounds and professions. and yet they laud central banks like the bank of england. or the federal reserve that has a lot of phd economists. it will be fascinating to see how he talks about what they know so are and what he thinks about where they are going to go. haidi: a nice chance to reflect on phil lowe's legacy. he has not had an easy time. the war and ukraine, a pandemic,