 Secondly, the bill reframes—and this is an important change—the financial policy objective of the Reserve Bank, and that is to protect and promote the stability of the New Zealand financial system. This is a clear mandate, and it's one of the things that arose out of the consultation—and a great deal of consultation publicly was done on all three bits of this legislation—to give absolute clarity for the Reserve Bank to deliver on its role as New Zealand's prudential regulator. It is consistent with best practice. It's consistent with the guidance that the International Monetary Fund gave to the previous Government, actually, in 2017, when they did their assessment, and I do believe that clarity of that objective will be helpful to the bank into the future.