I think the big differentiation is when you think about the deposit takers bill. What's going to happen is, by all accounts, this is going to be taken into account in that bill, which we haven't yet seen, this issue of efficiency, and that is the problem. Because in terms of the efficient operation of the Reserve Bank, we need a bank, in pursuing its objectives, to have regard for both maintaining financial stability and also financial system efficiency, and those, as I was saying before, are real trade-offs. There is no hook now on the Reserve Bank to have regard for, to take into account, how they manage that trade-off, because the bank will simply be no longer required to have regard for efficiency when it comes to implementing these issues that the Minister's referred to. I think it's a fundamental issue that should have been debated and needs to be debated as to why or not efficiency is no longer in there. What certainty can the Minister give us that in this subsequent bill, that no one has seen, we're going to see adequate representation or consideration of that in the bill that's to come forward into the House?