I had expressed a hope at first reading that through the committee process we would get some sort of sense of what the reporting regime would look like, but not only did that not happen; we've actually kicked the can down the road a little bit by the extension of time for the requirements to come in, in order that the Financial Markets Authority and the External Reporting Board can actually devise those standards. I do have a bit of a problem with that on a couple of fronts. One is the provision of information comes at a cost. These are not costless reports. There's quite an investment that needs to be made in them, and the cost of providing that information needs to be exceeded by the benefits to the users, and those users are going to be a number of stakeholders—banks, shareholders, regulators, customers, and so on—and we're actually none the wiser. It's only a minor irritant, but I do think we should have a bit better clarity about what the costs and benefits of these reporting regimes will be before we start to put them in. 