So the reference to efficiency that should have been in there, that's something on which we've made our point pretty clearly, so at this, the third and final reading, I don't intend to go into the detail much more than that. I'll just note, perhaps, one other aspect of the Reserve Bank activities that we thought could be handled better, which was in the area of allowing the Minister of Finance to manage the risk of those activities where it would be said that those would negatively impact the Crown's financial position. So the National Party statement on that has been along the lines that we would require the Minister—the relevant Minister, of course, the Minister of Finance—and the Reserve Bank to agree a capital and financial risk management framework.