The Reserve Bank funding proposal highlighted that it is an efficient and relatively low-cost central bank. I think even the members opposite will acknowledge that historically, we in New Zealand have had a strong and stable financial system, and that is very much to do with the good performance of the Reserve Bank over its time. Actually, the Minister of Finance did make this point: it's quite fair to compare the cost of the New Zealand Reserve Bank to overseas comparative banks, and one of the points that needs to be repeated for the members and the New Zealand public is that the Reserve Bank of New Zealand has actually a much larger mandate than most of the other reserve banks or central banks that we would compare ourselves to—for example, the UK, Japan, and the US. We here take full responsibility through the Reserve Bank for supervising our retail banks and insurance providers, for example. 