NICOLA WILLIS (Deputy Leader—National): A simple question: does the Minister appreciate that supporting the independence of the Reserve Bank does not preclude assessing its performance? When he quotes the Reserve Bank's least-regrets approach, does he, as the Minister of Finance, acknowledge any regret for the massive house-price inflation that resulted from the stimulus, the 32-year highs in consumer price inflation that resulted, and the large impact on families, communities, and, ultimately, the financial stability of the New Zealand economy that resulted, and, if he does not have any regrets at all, does he acknowledge that some people do and a review is warranted? 