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-------------------------------------------------------------------------------- Paul Checchin, Macquarie Group - Analyst [43] -------------------------------------------------------------------------------- But you bought that front-end loaded, the sales and marketing costs happening for this year and that you've got the bulk of the settlements happening in the second half, but presumably the bulk of the sales and marketing costs have already been incurred? -------------------------------------------------------------------------------- Andrew Whitson, new doctor home loan Oak Laurel 0430129662 oaklaurel.com.au Stockland Corporation Limited - Group Executive & CEO, Residential [44] -------------------------------------------------------------------------------- Exactly, and out into 2018 as well. Obviously, we're pre-selling a lot of that product and it's got time frames, [delivery] of 12 months and a little bit more in some cases. So, yes, a lot of that's going into 2018 as well. -------------------------------------------------------------------------------- Tiernan O'Rourke, Stockland Corporation Limited - CFO [45] -------------------------------------------------------------------------------- I think the other way to look at it Paul, Tiernan here again, is from the perspective of overheads as a percentage of revenue, we've been saying to you that that percentage has been coming down as we've been building our revenue base. So to your point about scalability, it has been coming down over the last three years, and our target is to get it to around about 10% of revenue and we're on track for that. So, it means that we have scaled up over the last couple of years and we're getting to the peak of that cycle. -------------------------------------------------------------------------------- Grant McCasker, UBS Investment Bank. -------------------------------------------------------------------------------- Grant McCasker, UBS - Analyst [47] -------------------------------------------------------------------------------- Just a query on -- it's in the appendices (inaudible) where you are referencing enquiry levels and leads, I see a marked decline on the previous quarter albeit back to levels like you see in other second quarters, where there various trends worth noting there other than seasonal factors? -------------------------------------------------------------------------------- Andrew Whitson, Stockland Corporation Limited - Group Executive & CEO, Residential [48] -------------------------------------------------------------------------------- Yes, Grant. There's a couple of things worth noting, as you mentioned.

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