It says, "The Reserve Bank requested cost estimates from [the] industry during … consultations but only one organisation provided such figures. … A full cost-benefit analysis would normally provide more certainty that the proposals … have a net benefit for New Zealand. However, given the lack of cost estimates, alongside the low probability high impact nature of [an] FMI failure, [etc., etc.,] … [that any] full cost-benefit analysis is unlikely to be robust enough to provide meaningful additional information and could be misleading."