In this particular case, it's worthwhile to note that even though we are a small country—smaller in population than Melbourne, although greater in size than the United Kingdom—around NZ$35 billion flows through our financing, retail, and wholesale payment system each day, and I have to confess to having been responsible for quite a lot of that payment system and money flowing through, because I like to shop and help the local economy. And then we have—it's just good to remember that on an annual basis that is around NZ$8 trillion flowing through the system. And yet, amazingly, it all seems to work quite well. So perhaps it's because of the light-handed touch that we already have had.