Rt Hon JACINDA ARDERN: In answer to the first part of the question, it is correct that we wanted Kiwibank to remain 100 percent Kiwi owned. And to refer to, again, the member's reference to the market share: of the million, roughly, New Zealanders who bank with Kiwibank, for many of them the reason they do will be because it's New Zealand owned and that the revenue remains in New Zealand.