Coming back to what I would like to talk more about, which is what this bill does. The bill currently before the House will reform the institutional arrangements of the Reserve Bank, as well as carry over the changes made by the 2018 Reserve Bank of New Zealand (Monetary Policy) Amendment Act. The key changes being made by the bill include adding an overarching financial stability objective to complement the recently updated monetary policy objectives; strengthening decision making through moving from a single decision maker, the governor, to a board model; and ensuring operational independence is balanced with appropriate accountability with a number of changes to update the Reserve Bank's accountability and reporting frameworks to align with State sector practice. It will provide for a financial policy remit issued by the Minister setting out matters that the Reserve Bank board must have regard to when setting and implementing its strategic approach to financial stability, providing the Council of Financial Regulators with a statutory mandate to support effective and responsive regulation of the financial system by facilitating cooperation and coordination between its members.