A little history lesson: many won't realise that the Reserve Bank used to be a Government department, and we had a Prime Minister—a well-known Prime Minister, Rob Muldoon—who, essentially, took over the running of the Reserve Bank and set all the policy directly. It wasn't even policy; it was orders—and as a result, the country nearly went broke. So that's why we have a Reserve Bank of New Zealand Act, which must be constantly updated, because, as a result of the reliance on central bankers now to keep the monetary flow going, we have to have good regulation behind it. And that's, essentially, what this bill is about, and why it's essential that we do take it through its various parts and get it through select committee and the committee of the whole House to make sure it is what it needs to be, because this is a very important piece of legislation in ensuring the financial stability of New Zealand. For that matter, I have no hesitation in commending it to the House.