By making the decision-making collective, it sets up a board, which brings a breadth and depth of skills to the decision making, and it will give that board powers very similar to a Crown entity. The accountabilities will also be more aligned to Crown entity boards, and it means that whole-of-Government directions to Crown entities will also apply to the Reserve Bank. Yes, it does remove the word "efficiency". That word sits better with the deposit takers bill and insurance Act.