Hon GRANT ROBERTSON (Minister of Finance): Just, again, conscious of making sure we debate the bill that's in front of us, in terms of the broader reform process, we campaigned on it in 2017, so I'll take responsibility/credit for that. When we got in, we worked through with both the Reserve Bank and Treasury the scope of that, we brought in an independent expert advisory panel, and then we launched into a very comprehensive consultation round, which we've now done three separate consultations on. As I said in my earlier intervention, the feedback we got as we did that was that people welcomed the opportunity to modernise and refine the bill, as is on the public record released in many, many documents through the proactive release process. On not every single issue was there unanimity between the bank, Treasury, and myself, or the expert advisory panel—that's to be expected—but on the vast bulk of what we are putting through the House, we did have clear agreement from across those institutions about what should be done.