DAMIEN SMITH (ACT): With regards to efficiency, ACT believes we should be reinserting this concept. Fundamentally, it was based on making the Reserve Bank better. It would be a measure of how well the financial system performs its functions, thereby contributing to what we hope is a sustainable and productive economy. So it doesn't make sense to me that there isn't some sort of formulation reflecting efficiency in that sense. ACT believes that it should be an objective in itself, not merely an analytical consideration, and we'd just like to get your thoughts on that, please.