The global financial crisis was caused by the concerns about what financial institutions like banks were experiencing, but that's not what is happening here. We have a very sound and stable banking system and a sound underlying economy. We have been running surpluses. Our net debt position, at 19.5 percent of GDP, is well below what we inherited and well below other countries. We are already ahead of the curve with the $12 billion New Zealand Upgrade Programme, which is supporting the economy. 