ANDREW BAYLY (National—Port Waikato): Thank you, Madam Speaker. Thank you for the commentary, Minister. So there hasn't been any failure that we could look at? What the Minister's saying is the Government has had a view that it just needs to modernise it after 30 years, but can he point to any systemic issues with the bank that we should have regard for? People listening to this debate might think, "Wow, this Reserve Bank hasn't been operating well, and we need to set some real specific changes.", because what I hear is an argument that, yes, we need to keep changing, but, actually, the Reserve Bank model adopted in New Zealand actually has been a framework that many central banks around the world have actually emulated and actually believe is a fantastic structure. So, again, just the same question: why?