One of the key things about the Reserve Bank—I remember the good old simple days when I only had a couple of things to do. They did lots of lunches and, you know, everybody talked a good game. But I actually don't think, in ways, this bill is modern enough. I think we need to look at all the frameworks. I mean, if you look at it now, 85 percent of our banking system is owned by Australia; 60 percent of insurance is owned by the Australian companies as well, yet the Australian Prudential Regulation Authority as the regulator has a shadow presence when they come to review banks and financial institutions in this country, and we believe that should be tighter. We like the idea around the United Kingdom and what has happened there. So even though the instinct might be to drive this forward, I would like the Minister just to spend a bit of time on, really, the fact that we are in the international system now and what that means for this bill.