So I guess the point we're making here is that in the next review we should actually recognise that on top of all of this is an international system that we're abiding to. Maybe it's worth contemplating that that in itself will provide some indicators around the capital framework, risk management, the nature of the board, and the nature of the Government's mandate, and we think that the approach of least regret or wait and watch—the direction of travel can happen and change pretty quickly in this modern financial system. To all intents and purposes, the Government is providing an underwrite, and from my banking experience, whenever you underwrite something, you want to make sure that everybody knows what they're up for and what they're in for. We believe that the Reserve Bank has to have a policy committee that actually is up for that task, and in that sense, we agreed with the National Party in terms of some of its elements around efficiency in the nature of that relationship. 