So that is what this bill is about. Whether it be a clearing system for payments of that nature, or whether it be the stock exchange or over-the-counter derivatives, or any of the numerous other financial transactions that go on here in New Zealand, underpinning this are these systems—largely run, it must be noted, or the services are provided by, private companies. This is not Government infrastructure, this is private infrastructure, so it's really, really important that it's stable, because if one of these pieces of infrastructure were to fail, the knock-on effects could be quite catastrophic. 