ANDREW BAYLY (National—Port Waikato): Thank you, and I acknowledge the Minister's response. Thank you for that. I think of one of the issues with all bills that pass through the House: what happens with the regulations that follow that are not subject to parliamentary oversight? There is an issue around clause 31(2)(b), which is the scope of compliance costs, and it says that the regime will be largely determined by the standards set by the regulator under that provision, and the requirement to have a financial market infrastructure (FMI) contingency plan, in clause 48. So I suppose the big thing about this is the actual costs that will be levied on FMIs and to what extent we can be assured that they're going to be reasonable, constrained, but still meet the requirements of making sure that we've got an active, robust market.