Hon GRANT ROBERTSON (Minister of Finance): As the member will well be aware, the independence of the Reserve Bank would mean that they will go through that process. It is our job to set the framework. He has already identified the areas, in his own statement, around scale, influence on the financial system, and the importance that the regulators themselves put on those particular FMIs in their own work. So that will be their job; it is not, in my opinion, the job of politicians to create that. That's what we do when we give the regulators the powers that they have.