HELEN WHITE (Labour): Thank you. I rise to commend this bill to the House. I'm the last speaker, so I just want to really focus on wood for trees here. This is actually a bill which modernises the structures that are in place around a system, and it is very cognisant of the rest of that system. So we're going to have a board instead of a single person, and that board will have responsibilities. And the people on that board, it is true, are not prescribed in the kind of person they are. As pointed out by Hon Julie Anne Genter earlier, that actually allows for a kind of great latitude, because what you want on that board is people with different skills and different experiences, and those people all contribute to the whole, and so does the governor, who will also be on that board. That board will be linked, it will work together, with the Council of Financial Regulators. Those are things like the Commerce Commission, and those are really important institutions, and they will work together. So this bill is all about working together, and I commend it to the House.