But the major concern we have is the slow erosion of the bank's independence. We don't believe that it can actually be just simply conceptually based. It has to have a rigorous framework, it has to have a set of understandable rules so that we can make sure that our international parties are sound about investments and risks that they take in this country, and also individuals and citizens are certain, as well, about the risks that it can achieve. We believe that the free market—the sustainability of the entrepreneurship of New Zealand—is at the very core of this bill, and, in that sense, we believe that the Government needs to act more reasonably in its construction of this bill and that it should be taken back and more work done on it.