Hon GRANT ROBERTSON (Minister of Finance): I thank the member for the question. I don't think that, in terms of the way we write legislation, we would be going into that level of detail. That is not how we write legislation. But I do want to acknowledge the issue that he is raising and the fragility, from time to time, of some of the financial institutions in New Zealand. The member raises the question, for example, of credit unions and the importance of making sure that those whose funding is within those bodies who, as the member points out, can often come from lower-income groups, are protected. I acknowledge that point. Whether the exact answer to that question has the same size liquidity buffers as other institutions is a matter, I believe, that falls within the operational purview of the bank. But I think the member is raising an important issue for New Zealand, and one that can be taken up. But it would not, in my opinion, be appropriate for us to be dealing with that within the legislation. But I do think he is raising an issue of some importance.