But, having said that, as I said at the start of my contribution: above all else, we all require a banking system in this country that we have faith in and that we know will not fail. As we move from those dim, dark days of 2008—12 years ago—of the global financial crisis, it's important that we move with the time, modernise our banking system, and make sure it's securer, and safe to deliver that security to New Zealanders. 