Through policy that the prosperity and financial wellbeing of all New Zealanders, there are some gaps in the system and this needs to be reviewed with the bill. Its main focus at the moment sees the maintenance of price stability supporting maximum sustainable employment and inflation management. But the banks' challenge will be to contribute dynamically to a future-focused economy which is productive, with transparency—but there is an element of modernisation, we believe, that needs to happen in these challenging times. The institution is nearly 100 years old, and ACT wants to see and to promote an even more stable, well-governed, and managed financial stability at a micro level from New Zealand. So there are five points we'd like the Minister to review, and these are ones that we see in the bill probably haven't got world-class benchmarks and are a concern to our country. 