The fallout of those regulatory failures was a crisis across the world economy, millions of people losing their jobs, having their livelihoods significantly impacted, and recessionary conditions that persisted for a number of years across the international community. That is the real world outcome of not having appropriate regulatory oversight through pieces of legislation like this one. That is why that purpose statement and that additional wording that has been brought in by the Finance and Expenditure Committee is so important, that focus on the stability of, and confidence in, the financial system, because, ultimately, what unfolded in that period of 2007 when the GFC was getting under way, was a result of, frankly, unethical behaviour, greed writ large across the financial markets, then having a systemic impact leading to a total loss of confidence in those markets, with impacts on the real world economy. That's why this bill is so important.