Hon GRANT ROBERTSON (Minister of Finance): I don't accept the member's point. What I have said from the beginning—and this is now me repeating this for the third time—is that the approach being taken here is the same one that we've taken with the bank over many years and in a number of different parts of its operation to set the parameters and then have the bank operate within those parameters. There is scope in clause 205A to be able to both define capital but also set out expectations around the bank's financial risk management. I accept that the member wants a greater degree of control or involvement in that—I accept that point. What I am saying, as I come back to my very first intervention, is that there is a philosophical difference there.