Hon MICHAEL WOODHOUSE (National): That's OK—I won't be needing the five minutes, Madam Speaker. In my second reading contribution on the Financial Market Infrastructures Bill, I think it's fair to say it's probably one of the least esteemed speeches of my political career, where I admitted to nearly no technical expertise in the areas which this bill seeks to improve. But I was fortunate enough to hear from a member of the Finance and Expenditure Committee who said this about the bill: he said, "It's a good bill. We need a good credit card system. Goodness knows where we would be if that system collapsed. My Uber Eats might not get delivered." That happened to come from Dr Duncan Webb, chair of the Finance and Expenditure Committee, in a weak moment. 