There has been some criticism of this aspect of it, because of where the concept of efficiency sits within what the bank does. The advice, again, internationally here, is that efficiency being in a primary objective like that is not necessarily normal—that efficiency is better delivered via the way in which the bank goes about its work. In particular, in the case of this, that will be the deposit takers bill, and then Act, and the various insurance and prudential work that the bank does. That's where efficiency is best reflected. Having that clarity of objective of protecting and promoting the stability of the financial system, I believe, is the correct approach.