In terms of Mr Bayly's question, in terms of the clarification I sought for clause 205A—in particular, subclause (2)(c)—the ability to set out the Minister's expectations as to the bank's financial risk management would cover the material in the issues that the member is concerned about. So that would be in the hands of the Minister of the day to make that decision, and also we can define capital via subclause (2)(a). So my view is it strikes the right balance. I respect the fact that's not the member's view, but we do think it's got the right balance of us being able to set parameters as a Government and have the bank operate independently.