One of the things I think is interesting is that this bill has been around since 2015-16, after policy statements and work done by the Reserve Bank and the previous Government, of which I was part. Why is it that we're even doing it when everything seems to work quite well, one could well ask oneself? I guess the answer is probably because everything works pretty well and we haven't had any major issues but we really don't want to have any major issues in the future. So it's really about creating, as I see it, a bit of a safety net in relation to these payment systems.