I have heard in some of the previous speeches an issue or concern raised that there doesn't seem to be a problem in the system, so just a questioning about the need for this legislation. I would note that the need or the value of this was raised by the International Monetary Fund in looking at this as our position within a global system, and that the Cabinet paper also recognises market failure in this area, in four particular areas. So, one, that there are currently coordination difficulties across the financial market infrastructure, high concentration of market power, which means if there's failure—and the example that was given previously of one financial market infrastructure being EFTPOS—in that system, that would have massive impact on our entire economy. So we have an interest as a country and a responsibility, I would argue, as this House of ensuring that we have appropriate oversight and can do whatever's possible to prevent any failure in that area. And imperfect information—that many people who are participating and using, say, derivatives or engaging in other aspects of the financial system; historically, we've seen the consequences of when people are not aware of the risks that they may be exposed to because of the complexity of many of these arrangements. So this legislation helps us create a system to give assurance to people and to reduce that risk or ensure people are aware of it where it exists.