Minister, I'd just like to ask—we've sat through the House and we've heard honourable members across there building a picture of an economy in some sort of peril, to the extent that, I think, Mr Bayly used the words "the bank would put us under." The question I'd like to ask is: how does this reconcile with the views of the rating agencies, who, presumably, are using and looking at the same set of facts as are available to those members opposite, and certainly available to you? So my question is: how would you reconcile those differences in attitudes and findings?