I guess there's sort of four big concerns. The first is really that reforms of this nature—to one of our most significant economic institutions—shouldn't really be taken lightly. It is National's view that the Government could have worked in a much more consensus, cross-party manner in putting these changes forward. The bill is, as you all know, the second of three bills that the Minister of Finance is trying to take through the House to reform the Reserve Bank of New Zealand Act, and that is the first time, in fact, that our legislation for this critical institution has been reviewed in over 30 years. Therefore, I do think it is important that we look at these reforms, that we make sure they are enduring, that they last. It is therefore regrettable that cross-party consensus hasn't been taken, because, ultimately, what we do not want happening is we do not want, every time a new Government comes to power, that we go and upend and open up and recreate a whole bunch of new legislation around the Reserve Bank. That's not good for New Zealand and it's certainly not good for the Reserve Bank. 