Just to give one example of something that has cropped up in recent times, we now have a lot of potential for New Zealand to grow its weightless economy through fintech companies. I've had a few of them in the Epsom electorate raised in this House over the years—some of the travails that Harmoney, for instance, have had attempting to do business under our current financial regulations. I could also raise NZFintech, and part of the challenge that they've had is that they haven't been able to access clearing houses or payment systems so that they could be part of the wider New Zealand financial sector. I would hope that this bill will allow the FMA and the Reserve Bank to step in and regulate infrastructure for some of these emerging markets made possible by new technology so that we can have new entrants. Gerry Brownlee's looking because NZFintech are based in Christchurch and they're very good people. He's nodding, and he's right. 