We were, as we've talked about over several readings now, quite comfortable with big parts of the bill, but we do have serious concerns in several areas, and I think the first was that the bank's traditional objective that it is efficient has been omitted here. And we really believe that efficiency should be part of the core charter of what the Reserve Bank is about. I think, also, the New Zealand Bankers' Association, in their submission, said as much, as well. Efficiency is a really important objective for a prudential regulator, there's no doubt about that. We see that all around the world. We believe it is equally important that the bank pursues a financial system that's both stable and efficient, and that's important because trying to get the balance right between efficiency, but also having enough dynamism and innovation in the system such that we can see innovation from the regulated financial sector, is a very important thing. 