So we'll support it to select committee. The two things I want to particularly watch before the select committee are: what are the benefits—and if it results in a safer banking system, which is required in this day and age, then I'm all for it—but I'll equally be watching for the costs, because this reform may well come at a cost. If it comes at a cost, I suspect already that cost will then not be picked up by the banks; it will be a cost that's passed on to those people who are the customers of the bank, particularly the borrowers. So I think as we analyse the work through the select committee—and the Finance and Expenditure Committee will do the job thoroughly—they're the two things we need to watch: identify the benefits and be very, very aware of the costs that, ultimately, will be imposed on to the depositors. 