ANDREW BAYLY (National—Port Waikato): Thank you. I just want to refer to Mr Smith's earlier contribution, which is the substantive issue. Obviously, with this bill the Minister and the Government's trying to set in place a new framework that, hopefully, will last for another 30 years. Given that it's inevitable there will be a change of Government and the need to make sure that we put in place a framework that is enduring, can I ask, during the process that the Minister outlined just before, why did he not choose to involve members from the Opposition in that process at an early stage to ensure that we do actually come up with an enduring solution for an institution that I would suggest to the Minister is not equivalent to a Crown entity? It's probably our most pre-eminent financial institution, and therefore vitally important for all of New Zealand that we get the framework absolutely correct.