ANDREW BAYLY: Enlightening, as the Minister of Finance says. Of course, as he correctly points out, it's a very technical bill. I don't want to go through a whole host of it; obviously; we're drawing to a close on the bill. We all support the bill. As the Minister talked about, it is a very small part of the financial sector but a very important and actually very significant part in terms of quantum of money involved in derivatives and trading of such products. The two definitions, or separations—however you want to look at it. One is over-the-counter derivatives and ones that are traded across the exchange. So we've got two types of derivatives; they drive financial markets. If you're doing an interest rate swap to mitigate some of your risk, these are the types of instruments you use to actually split up the risk, whether it might be an exchange risk, it might be an interest rate risk, and use derivatives to achieve that outcome.