As I've listened to the contributions from many of the speakers, most of them—in fact, I think all of them—have remarked on how complex this issue is. We have words like "securities" and "derivatives" and "depositories" and "trade repositories", all of which come together in the settlement of funds on a daily basis to ensure that we have a banking system that works, and that is safe for all depositors wherever they live—but, particularly, the ones that we're concerned about are New Zealand depositors—to know that their money deposited in a bank is safe, and that they can get their money out when they want. That's the essence of this legislation today. 