Before I talk about this bill and get into the details of it, hopefully for not too long, I thought it would be just useful for people to understand what this bill is about. Unfortunately, when you read the commentary it doesn't actually talk about what we're dealing with, and essentially what we're dealing with is the issue of derivatives and how financial markets work. So we have things like people wanting to borrow money from a bank and they want to borrow it in Australian dollars and they want to borrow it on a fixed interest rate. However, they mightn't be able to do that directly, so what they do is they use different types of instruments to do it. They could use a derivative that deals with the transfers, the fixed interest rate to a variable floating rate, or they might use foreign currency. It's quite common to swap one currency for another. So you can use different types of derivatives to actually make change.