But in terms of his broader point, yep, he's absolutely right. The IMF came here. They made a series of recommendations about what New Zealand needed to do to ensure that we were not only at best practice but in line with the various Basel Committee rulings. We have attempted to do that over a succession of changes, and the bank itself has attempted to do that over a succession of changes. That included elements of capital, as he mentioned, which are covered in one part of this bill and obviously in the bank's work that it does with trading banks. Also, good forms of decision making and the kind of governance that would be expected were part of that as well. So, absolutely, it is an attempt to do that. 