So, Madam Speaker, in our minds, we think it's a real shame that there's an enduring piece of legislation here that is setting the Reserve Bank up for the future, and it should have been done in a cross-party consensus way. We do think efficiency as a measure of the purpose of the bank is important to have had in it, and we also believe that the governance arrangements and the changes to those mean that we need to make sure that people who are put on those governance boards have a set of skills. Finally, we think that there's a risk framework that needed to be created between Minister of Finance and Reserve Bank to manage that. So it is disappointing that National's very, very constructive amendments were defeated, and we regret that we must oppose this bill. 