Hon JACQUI DEAN (National—Waitaki): Thank you, Madam Speaker. I hesitated to get to my feet because I was reading some quite interesting background to this bill in the debate pack. First of all, I have to confirm that National does support the Financial Market Infrastructures Bill at its first reading. The information I was reading as I was preparing related to retail and other payment systems in New Zealand, which up until now have performed relatively well but have been only lightly regulated. Issues around particularly retail payment systems have been highlighted for a number of years in New Zealand, and successive Ministers have been working progressively to address some of the more light-handed regulatory settings around matters to do with financial market infrastructures.