I also want to, as Barbara Edmonds did, just start my substantive comments with the purpose statement of the bill, which is always a good place to begin. The key point that I want to make here is that I think the change which has been recommended by the select committee is an extremely important one. So if we turn to clause 3, "Purposes", the purposes of this Act are "(a) promote the maintenance of a sound and efficient financial system." Now the change that's been made by the select committee adds on the words, "including by responding to threats to the stability of, or confidence in, the whole or a significant part of the financial system". The reason I want to just rest on this point briefly is because, to me, this is where we get the link between what seems like a highly technical, somewhat arcane piece of legislation and how it actually affects things in the real world, how real people are actually affected by good legislation and regulatory oversight, or lack thereof, because we don't have to go that far back in time—it's only to 2007-2008 and the GFC—when inadequate regulatory regimes in a number of countries, most particularly the United States but others as well, allowed for significant issues to occur in the financial markets that were not just contained to the financial markets.