We have a clarity in this bill about the objective, and that's a very interesting thing to happen. I think it probably is a sign of maturity, because words like "efficiency" are actually words that have been loaded up with politics. And "efficiency" for Mr Bayly is probably not "efficiency" for me. And actually, by getting the board to actually understand that its role is the stability of the New Zealand banking system, it frees it up to work. So it works alongside the finance Minister and under the direction of the finance Minister to some extent, because there is also the publication of a remit, which will actually mean that the board has direction in the right place, but it will make decisions about how to take the objective of any Government and actually make that work for the people in terms of getting that outcome, given its clear objective. So it's a very interesting and nuanced piece of legislation, and it really does respect the people involved and allow them to do their job well, and I'm extremely proud of that.