But if I go to the decision-making processes. To summarise, really, the contribution that the select committee made—and this was going through it with a fine-tooth comb, listening to the excellent submissions as I understand them to be from the small number of people and organisations who submitted. They broadly came up with these changes. First, they broadened the circumstances to where the regulators may agree that one of them can act as the sole regulator in a particular case. They also simplified the thresholds for when Ministers must grant approval or consent to decisions made by the regulator, and that has got to be really around transparency and clarity for operators. They also clarified the relationship between the general purposes and principles of the bill and the specific purposes and principles relating to crisis management powers. We have heard a little bit about crisis management today and, certainly, after the financial market crash, that was less hypothetical. I think that COVID has made us all realise how perilous all our systems are at any given time and how important it is to have integrity in the underlying systems that enable our society and our economies to continue to work. There's also the removing the requirement for ministerial consent, which has already been discussed, and removing the requirement for ministerial consent to a new operator scheme.