So the Government in this bill is handing over a role for the bookkeepers to get alongside the bankers and tell them how they should be running their operation. Two extra layers of supervision being put on the Reserve Bank: firstly, the board, and secondly the Treasury's new enhanced role. The question is, in my head, who was it inside the Reserve Bank organisation that annoyed the finance Minister so much that he felt he needed to bring in, under the guise of enhanced independence, this massive level of oversight? Maybe it is because in the last few years we've had an absolute runaway with housing prices. And the Government will be wanting to say, "Well, it's largely due to low interest rates", without recognising that when there is a shortage of supply, price rises. So rather than taking some responsibility for their own derelict action in creating opportunity for greater numbers of houses to be built, they simply want to change the law here and blame the Reserve Bank. That will be one of the things that comes out of this. 