What the International Monetary Fund was concerned about was, actually back in about 2006, and more recently in 2016, the fact that we had a relatively unregulated, over-the-counter market in New Zealand. So what they strongly advocated was that we should be tightening up the arrangements around that, and, of course, this has now led to this bill. Of course, it was initiated by the National Government and obviously carried on under the current Government, and, of course, today we're at the second reading. It's taken a long time to get to this point.