As I said, primarily what this bill does is create institutional arrangements that give effect to the overarching purpose of the bank, and that is to promote wellbeing and a productive economy, as well as the specific economic financial policy and central bank objectives that the Reserve Bank contributes to. The bill ensures that the bank can operate efficiently and with legitimacy and will continue to do so into the future. At its core, it has a number of key provisions. The first of those is the establishment of a proper governance board for the bank and, as a result, the strengthening of its accountability. The change to this is significant. It fits with the change made in the monetary policy committee and in their role, and it makes it consistent with the way that Crown entities work in New Zealand and also the way that central banks and regulators tend to work around the world. As a result of this, the powers and responsibilities of the Reserve Bank, other than monetary policy, will now sit with the board rather than the governor alone. This is a shift, as I say, that's consistent with what we've done with the monetary policy committee, to create a committee-based structure to move away from that single decision-maker model.