In the last term of Parliament, in Cabinet, from time to time, we found ourselves discussing some institutions who were struggling. And when we talked about those, it was really important to remember the individuals, the whānau, who have money in a financial institution. They need to know that that is being secured and supported. That is primarily what this bill is about. It is about setting the framework for that, having an arrangement between the Government and the Reserve Bank to make sure that those systems are developed well. 