DAMIEN SMITH (ACT): Thank you, Madam Chair and Minister Robertson and my colleagues. It is interesting that the Green Party hasn't really got a view on what's happening here. We talk about a climate change emergency. Well, we consider there is a monetary and fiscal emergency going on as well. Mr Bayly's point is quite relevant in the sense that, just looking at debt to income restrictions—this morning's announcement—the UK's got an example of five times and we've got an example of 10 times floated out today, and, let's be brutally up front here: this is a new regime, right? The original bill from the 1980s—it may be a philosophical argument, but we don't know whether we've got a New Zealand Motor Corporation construct here or a McLaren, and I think the country deserves a McLaren in terms of where and what it should expect from the Reserve Bank bill.