I guess there's really just two points I want to make about this bill, one is about the purpose clause, because we can sometimes get lost in the details—and I love to get lost in the details of bills of this nature—but in fact the purpose is really important and the committee did examine that. It's important because it's on the basis of purpose that regulators can intervene. Every time a decision is made about whether to intervene in an entity, the regulator should be looking at the purpose and saying, "Has the trigger been reached? Is the purpose of this legislation met by this intervention?" The select committee noted that the purpose clause talked about a sound and efficient financial system, and of course those are both good things, "sound and efficient". 