The other side of this is there is a move in terms of the overarching new financial stability objective. Previously—or currently, until this bill is rammed through the House by the Parliament—the objective was to protect and promote the stability of New Zealand's financial system. Now there is a new clause, and it's quite nuanced wording, but it now moves to a new objective around efficiency, and that replaces the existing requirement to have regard for the efficiency and soundness of the financial system. We are now at an issue that talks about efficiency, which means something quite different from what is in the current wording. Efficiency should be a critical consideration of the Reserve Bank, but this change is quite significant in terms of what it means for the governor, for the monetary policy committee, and also, essentially, at a board level. I think this is something we need to understand more from the people behind the bill and the officials who have written the bill, because, unfortunately, we haven't had a briefing on it, but it does have potentially quite wide-ranging implications.