Another critical element that I want to mention here today is that the bill provides for statutory recognition of the Council of Financial Regulators. Again, this is something that is important, I think, for a proper functioning, coordinated financial system in New Zealand. The Council of Financial Regulators includes, obviously, the Reserve Bank but also the Financial Markets Authority, the Commerce Commission, and the Ministry of Business, Innovation and Employment in their regulatory role. Between those agencies, they play a critical role in making sure our financial system has integrity and has consistency, and I would like to see the Council of Financial Regulators play far more of a role in providing that coordination. What we do in this Act is ensure that they now have a statutory function for that coordination work that they do, and I think that will strengthen the financial system as well.