Actually, James McDowall talked about cryptocurrency, and I think one of the things that we can say about a modern financial system is how incredibly quickly things change. My first job after school, actually, was in the National Bank, stamping cheques and folding bank statements, and that was before the first ATM was introduced into New Zealand in about 1983 or 1984, but we are fast adaptors. We are fast takers-up of technology. EFTPOS is another very good example of the way in which our financial systems have changed over the years. 