My final note—there's no need, particularly, for me to use all my time, I don't think—is just giving a highlight to the stability and confidence provision. Again, I've mentioned that in relation to the purpose of the bill, and it probably goes without saying how reliant we all are, in our modern society and economy and the way those two fit together, for all the reasons that others have given—and by way of example, whether that's purchasing a home or something much more modest. But of course, it is so important that we have a stable system, that we have the confidence, for example, in the finality of settlements, and so forth.