ANDREW BAYLY: Oh, you don't think there was a question? Well, I think there was a substantive question, but anyway, I will carry on with that issue, which is talking about the governance arrangements. The interesting thing with the structure, and I alluded to this in Part 1, is the structure we're ending up with now is, as the Minister said, the board's role has changed from a model—I forget exactly the words he used, but they were disempowered to some extent; they weren't a powerful board. But now the current structure is very much one where board members play an integral part, particularly around the financial policy side. And just to be clear what we're talking about, we're talking about prudential policies that relate to banks, non-bank deposit takers, and also the separate but very technical issue of the insurance industry. 