So whereas the purpose, of course, is to promote the prosperity and wellbeing of New Zealanders and contribute to a sustainable and productive economy, we do, nevertheless, have some reservations about the extent to which this can actually be achieved. Of course, we are concerned that there may be counterproductive effects, indeed, notwithstanding that we're told, according to the legislative statement, that it's a strengthening of the Reserve Bank's institutional arrangements that's intended as an enhancement of the bank's role as a prudential regulator and intended, again, to increase coordination and the regulation of the financial sector.