In terms of what the bill does, the key provisions we've covered often. But one of the most important ones is the establishment of a governance board for the bank. The Reserve Bank of New Zealand has had a board, but it has not operated in the way that we might expect a governance board to operate, be that from the private sector or be that from a Crown entity. So we now have that. This is a further extension of the concept of a more collective decision-making model that we helped create with the monetary policy committee, and moving away from that concept of a single decision-maker. That puts the Reserve Bank of New Zealand in line with central banks around the world, in terms of how they operate. When we started out in 1989, the Reserve Bank Act was leading legislation and it had that single decision-maker model. Central banking around the world has evolved to a more collective decision-making model and that makes further sense than to have the board undertake the duties as it does.