When we come to the details on this bill, it's particularly apposite for the role that the Reserve Bank plays in financial policy. If we do go back to 1989, when I was in the seventh form—Mr Bayly was no doubt, sort of, trekking around London bars or something like that at the time—the bank didn't have the roles around financial policy and financial stability that it now has. As I've traversed in earlier readings of this bill, that role in financial policy, financial stability, has evolved in, really, an ad hoc way with different matters added to it.