The first one is the issue around the structure, and I sort of alluded to that. What has been put in place is an executive board structure that is now having full responsibility for managing both prudential policy—the policies that apply to banks, in effect—and the insurance industry and the non-bank deposit takers. That means that we've moved from the model of one person who's a specialist to now one of a joint board structure. It's not only like a normal independent board structure full of non-executives; this is now an executive board. The big issue I've got is, first of all, in formulating that board, those members need to be of the absolute highest quality and calibre and expertise in the business of prudential and insurance management. I'm not sure that that depth of pool of people available actually is available in New Zealand, and there will be difficulty in trying to find the right people. This is a situation where we need very specialist skills managing and overseeing those very important functions. The role of the governor has been moved more to a CEO-type role; albeit that he or she will sit on the board. But that is a different structure, and I think it's a fundamental change that people should be aware of. 