ANDREW BAYLY (National—Port Waikato): I thank the Minister for that answer, which was very good. I suppose it gives rise to two issues. One is the capability of both the Financial Markets Authority (FMA) and the Reserve Bank. As we all know, this is a very detailed, technical issue that most people don't understand well. So first question, I suppose, is to what extent can the Minister assure us that (a) there is sufficient capability and capacity in both those organisations to deal in this very technical matter. And the second question relates to his answer just before, does that mean if I'm a financial market infrastructure (FMI) and I've got a dispute, can I go to the Council of Financial Regulators (CoFR)? Is that the independent? Is there a way for an FMI to appeal to seek redress to deal with that issue if that arises from time to time?