ANDREW BAYLY (National—Port Waikato): I want to continue that vein of thoughts from the Hon Michael Woodhouse, because we've been talking tonight, and the first thing we do agree on is the independence and the importance of the independence of the Reserve Bank. I think there's a difference around making sure we've got the right framework for that and then differentiating that in terms of the independence of the bank to perform its functions. I think it's that crucial part of independence that it should be free to go out and execute and perform the functions that are set out clearly under the various remits that are provided, and we've just been talking about how the Minister can change that quite easily without much transparency or oversight by Parliament. 