So the Reserve Bank of New Zealand (RBNZ) consultative process needs to be modern, relevant, and bulletproof to maintain confidence. The second area we'd like to bring forward is an area that has been neglected, and it's the difference between banking and non-bank lending. Banks have performed well in this period, and done well. We want to ensure and include the system in a wider financial system—and it's not just that banks are good for everything, which seems to be the RBNZ's approach, and everything else is bad—banks have ample funds, liquidity, strong balance sheets, and total access to the RBNZ's programmes. We'd like it to be considered that it would be more equitable, as well, to provide for less well-off, underserviced communities—like the Māori community and the Pasifika community—which banks won't service, and communities should be able to have access to fair financial products. 