So that will just give some idea of why you need some pretty good regulation safeguards around products that many of us don't know about, that actually have more exposure to than we know, because many of us do have exposure to managed funds through our superannuation, through different ways. So it's, again, only when these things fail that we start to understand why it is absolutely necessary. If you wanted to get technical—and some of the previous speakers have got technical—what are the key FMIs in New Zealand, these things that we seek to protect? The real-time, high-value, inter-bank payment system that is the key to money and capital markets—well, that's exactly as I've described it. So if money stops moving—today there'll be people who'll be settling on their mortgages. That will require one financial institution to move money to another financial institution. Well, if that stops, for any reason there is some doubt of the stability of either of those orders, it won't happen. So, of course, that's very much part of this. The FMI that's not exactly an FMI in itself, but in a broader issue it is.