In the commentary here, it says the Government's intention is "to modernise monetary and financial stability policy frameworks, [to] support good economic management and reflect the changing environment in which New Zealanders live and work." So I think the first point is I'd like the Minister to explain why there's such a radical need for a change and what has taken place that we can look at and consider. The public who might be tuning into this debate will say, "Well, why do we need to have more of these structural changes to the Reserve Bank?" So that's probably the first question I'd like to put to the Minister, and hopefully there's going to be a pretty interactive process, Minister.