I want to make some observations around the process and, I think, in particular, one around bipartisan approach to such legislation. Reform of this sort should seek cross-party support. National is comfortable with much of this bill but has raised a limited number of important issues that we believe should be reflected in this bill. It is with regret that the Government has chosen not to work on a cross-party basis and these issues remain outstanding. As I said before, the Reserve Bank is New Zealand's most important economic institution, and the reforms that we are going to put in place need to be enduring. It is not in the country's interest that central bank legislation changes every time there is a change of Government, and this is why it is with regret that the Government did not take a cross-party consensus approach on this bill.