It's interesting that if you look at what's happened with the Reserve Bank, the function of what Mr Robertson is proposing is that it actually does rely on people to make decisions, and a call for tightening an expansionary phase of $100 billion in the quantitative easing programme, the choking of the labour market. The situation has been quite clear, even with house price forecasting, that financial stability has been threatened, even in this current year, and it's not because of COVID; it's because of decision making around the institution.