So I just close by briefly summarising what we are hoping to achieve with this agreement and what will be achieved with this agreement. It will help the Reserve Bank look into the future as well as secure the present, which is critically important as COVID-19 injects uncertainty into our economic environment, and we absolutely call for certainty as we move forward. New Zealand First believes that our country's banking and insurance systems must work for the benefit of all New Zealanders, so it is pleasing to see greater resources set aside for just this. 