The second thing that we have concerns with is this removal of the words around seeking to have an efficient financial market. I was not persuaded by Treasury's representations as to why we should remove the word "efficiency". As a party, we believe that it's essential that not only do we maintain financial stability—which is the underlying premise of the Reserve Bank—but it should do so in a way that is efficient for the market. That word has been deleted, and I think it's a fundamental word and, actually, one that many submitters actually disagreed with seeing removed from the core objective of the Reserve Bank.