There are central counterparties (CCPs), which are entities which help to settle as a counterparty. So they become the buyer to every seller and the seller to every buyer. They, in effect, sit in between buyers and sellers, and it eliminates the credit risk to both parties. Again, that sounds like quite a complicated system. Everyone who's using it needs to be sure that it's going to be operating effectively and efficiently and that they can trust the system. We have just the one CCP in New Zealand, the New Zealand Clearing and Depository Corporation, NZCDC, and that operates as the central counterparty in markets operated by NZX—by the New Zealand stock exchange. Again, there's several hundred million dollars of transactions going through that every day, so it's very important to us.