I would recommend anyone who's following this debate or looking at this speech randomly to go to the speeches of Dr Russell and the previous speaker, Mr Bayly, for, actually, a fuller understanding of what financial market infrastructures are. It was described by a previous speaker as the plumbing of our financial system, but I don't think I'm going to be the best person to represent the detail of it, and I would commend people to those speeches. I don't think that the phrase "[these infrastructures are] systems that provide trading, clearing, settlement, and reporting services [for] payments, securities, derivatives, and other financial transactions." will mean anything to most New Zealanders. But I am encouraged that we have James Shaw on behalf of the Green Party who will be engaging with the detail of this, along with others in this House who are more familiar with this context and language.