I do have questions, Mr Deputy Speaker and, as I said, I will invite the Assistant Treasurer to answer them in the spirit in which they are asked. My questions are in relation to the strengths of the Australian prudential regulatory system, and obviously APRA is an agency that is funded through this appropriation. I am interested in how APRA assesses the depositor risk in relation to Australian banks, and will the Assistant Treasurer inform the House whether APRA publishes those ratings in relation to depositor risk?