I want to talk briefly about the financial policy objective, where, as Mr Woodhouse pointed out, it is no longer concerned with the efficiency of the banking system but we are now concerned with protecting and promoting the stability of the financial system. I suggest that, again, that is very, very important in the wake of the global financial crisis. It's very important in this much more complex world we live in. It's very important in this much more connected world we live in, this world where we do have cryptocurrencies. So that is one reason why we have gone to this move of promoting stability in the financial system. It doesn't mean that efficiency will be ignored. The principles of efficiency will come through the deposit takers bill, through the Insurance (Prudential Supervision) Act, where, under those Acts and bills, the Reserve Bank will need to have regard for the principles of efficiency. So I think that's a very important way of safeguarding efficiency.