The bill before us is a really interesting piece of legislation because it's one of three, and it is a structural piece in the legislation which has been modernised from its original inception in 1984. A lot of water has passed under the bridge, and there's been a lot of development since then, and this is a much more modern structure. I was concerned yesterday by some of the comments in the speeches of the Opposition, which talked about, really, a concern about the idea of collectivity. This is a very sophisticated world we live in, and we have many, many talented people, and actually the idea of a board having responsibilities is a good one. It does mean, as my colleagues have just said, that we are going to get many minds on to the same task, and it's a cooperative way of working that I know that our current Reserve Bank Governor is quite capable of adopting because he has in the past in previous roles, and I respect him more for it. Actually bringing those minds to the table will be a check and balance in itself. The people that run our Reserve Bank, the governor and the people on the board, are actually extremely talented people who bring a variety of wariness's from their work outside of this particular role to play in this role, and I am extremely grateful and respectful of that.