On the member's first question, my answer is simply to say I think both the Reserve Bank and the Financial Markets Authority do a very good job on behalf of New Zealanders. We recently had the new funding agreement for the Reserve Bank, which I can't quite remember the member's position on, actually, but if I do recall there might have been some concerns raised by the member about the fact that the Reserve Bank's budget and staffing have increased. I believe one of the reasons for that was in order for them to be able to fulfil their roles under this very piece of legislation. So I can thank the member for his rapid conversion to the importance of this piece of legislation for them. Similarly, we've increased funding last Budget to the Financial Markets Authority. They both perform important roles.