At the risk of revisiting the finance Minister's analogy about plumbing, this bill really is a bit like upgrading the plumbing. There are in points for the money to go in, there are out points for the money to come out. And what we really want to see are pipes that are clear with no blocks and no leaks. Now, that's not the sort of thing that you would talk about in a dinner conversation and, in the same way, it's not the sort of legislation that normally gets bandied around in the media or is the subject of intense discussion. But it certainly does get attention when it doesn't work, and, if it was a dinner conversation, you wouldn't be eating dinner any more, you'd be running across the road and out of the house. So the financial plumbing system has not changed, actually, since the Reserve Bank of New Zealand Act of 1989, yet now we have more pipes, we have different sized pipes, we need different tools to fix them, and we do need proportionality. In other words, you don't want to be opening up a small pipe with a sledgehammer. So this bill does recognise that, it upgrades the plumbing and it makes it fit for purpose in a digital world. And, as one of the previous speakers has quite rightly said, it involves derivatives and it looks, particularly, at over-the-counter transactions.