The reason this matters in terms of the objectives that are set is that the status quo for the Reserve Bank bill, as other members have outlined, is to very clearly set out that the bank must achieve and maintain financial stability of the financial system, but must also do so in way that is efficient and that maintains efficiency. That concept of efficiency is very relevant when we look to the purpose statement, because the interpretation of what economic efficiency is has long been understood to be a judgment and a balancing of what the costs and ramifications are of actions that the Reserve Bank may take within its financial stability mandate. So if we look, on the one hand, that the bank could do absolutely everything in its power to ensure financial stability, we must also consider the ramifications that would have for wellbeing and prosperity. It was the view of many submitters on this bill who we heard during the select committee process that the inclusion of the efficiency objective ensured some tension in those two things and ensured a better balancing of them, because, otherwise—now, without that efficiency constraint, the bank may take a "least regrets" approach in which it narrowly sees its objective in terms of financial stability.