I think the key point, Minister, is the focus of the legislation is only on setting a minimum capital level. The proposition I've put to you previously—and, again, I've tried to set it out very clearly in the bill—is that there is sophistication around the types of activities that a bank should be able to undertake and that are actually happening even now with current arrangements, with swaps, interest rate arrangements, and—heaven forbid, if we're trying to do this for 30 years—setting up a bank with a new structure for 30 years, which you've previously talked about, and then there are a whole range of sophisticated financial instruments. Simply, this bill does not cater for those adequately. 