It is my duty to talk on this third reading of the Reserve Bank of New Zealand Bill. I think I just want to start out by saying that there are elements of the Reserve Bank of New Zealand Bill that we're discussing that we have absolutely no problem with. Just picking up on the Minister's last comment, around the Council of Financial Regulators, those types of provisions we're very happy with. There's a lot of good in this bill; however, that's not to say that we do not have some fundamental issues with this bill. We have sought to work collaboratively with the Government to try and address these issues, because I think it's particularly important that, as the finance spokesperson and shadow Treasurer for the National Party, at least we as the major Opposition party—the major Opposition party—have the ability to help actually formulate a new framework for the Reserve Bank that will be enduring. And that is the issue with the process that's been adopted: that there are some fundamental issues that should have been debated more, that should have been taken into account, and I think what went on in the committee of the whole House actually showed up some weaknesses, in terms of understanding, particularly of the Minister, around certain elements.