This bill focuses on financial stability. Efficiency, in this context—there are a number of different ways of measuring efficiency. It is a technical word. It is a distraction in this bill and sits better in other legislation. The select committee did consider that, and we also considered at great length actually the balance of power between the finance Minister and the Reserve Bank—the independence but also the Government's intention through its policy statements. To get down to the granular level, we did come up with scenarios, and we asked advisers questions about what would occur in particular situations. Interestingly, many of those situations were around the accountabilities where the Governor of the Reserve Bank may differ in the opinion of the board, or where the Governor of the Reserve Bank would be stood down from one or other of those roles and what compensation he or she would be entitled to.