Hon GRANT ROBERTSON: That is an appropriate primary objective for the bank. The question of efficiency, that Mr Bayly is rightly interested in and concerned about, is more properly dealt with not as a secondary rather than primary consideration; it will be a factor in everything that the bank does—in particular, in its prudential framework, but also all of its statutory principles. Efficiency is not lost, Mr Bayly, but it is now appropriately placed in the criteria of objectives for the bank.