Re-reading certainly this bill's digest, I was thinking a little bit about the anti - money laundering and countering financing of terrorism legislation, for which I have to say I confess to having been the poor Minister who had to bring that through the House. That, again, was all about international markets and international payments and how we could do things and how we were going to stop New Zealand being used for money laundering. But, actually, I'm not sure that it's made quite the big difference that people thought it was going to make. Why did we sign up to it? Because internationally we had to because, if we didn't, we were under some threat that, particularly, the European Union was going to take some measures against our banks and payment systems. So these are the sorts of things that we tend to sign ourselves up to.