BARBARA EDMONDS (Labour—Mana): Madam Speaker, thank you very much. It's a privilege to take a call on the third reading of the Financial Market Infrastructures Bill. It's been a long time coming to get to this point where we're in now at the third reading—eight years, actually; eight years of policy development, consultation—and to the point where we've finally got to a bill that is so important, because everybody in this House today, I am pretty sure, has used their EFTPOS cards. An FMI, or a financial market infrastructure, is the payment system that underpins an electronic funds transfer at position of sale. So to anybody who's used an EFTPOS card, this bill is increasingly incredibly important to you. 