So in March 2013—as I've said, this has taken eight years—the Reserve Bank began its first round of consultation by releasing a proposed new regulatory regime. Then, in April 2015—two years later—they then did another round of consultation, and they released a consultation paper to modify the existing statutory framework. Then, in March 2016, the Reserve Bank issued another consultation paper, and that was around the proposed crisis management powers which are covered within this bill. Then, in August 2019, the Reserve Bank published the exposure draft, which previous speakers have spoken to. In that exposure draft, it also had a covering note which now led to what is the regulatory regime, which is in here. Then, finally, in December 2019, we have the bill that is before us today, that was introduced with the first reading on 12 February 2020, the second reading was on 16 March, and then the committee stage was here in 2021. 