So this whole issue of independence has been cut through and degraded because now there's a significant amount of oversight with the Reserve Bank, particularly where appointees to the bank board could now be very much ex-politicians and all those unfavourable things that we wouldn't want to see creeping into the appointment process around the board. So that's one issue around the lack of independence. If we're talking about trying to achieve clause 168, I think that's the first strike of a bow that says that, well, actually, this piece of legislation doesn't help that. 