But with regard to the much wider issue of independence, there are some fundamental changes to this bill that give us a great deal of discomfort, and one is around the appointment process. So, essentially, what we've ended up with is moving from a single governor with wide-ranging powers to one where we've now got a board that is essentially appointed by the Minister of Finance without any real criteria as to how those people should be appointed and what skill sets. All we know is what they shouldn't be able to do, like be an undischarged bankrupt. But that's one level of oversight now by the Minister, and, of course, the board that is appointed by the Minister now has the role of making a recommendation around the governor, which, of course, is subject to oversight by the Minister, and, of course, we've got the all-important monetary policy committee, again, with ministerial oversight. 