One of the main aspects of this bill is to give powers of information gathering, because, as we know, a lot of these transactions go on out of sight. And these settlement transactions and the payment systems, which are absolutely fundamental to how our everyday finances work, we only see what scratches the surface. But underlying it are these very important high-value, high-frequency transactions that are undertaken often by private entities, which provide the services that connect up the banks, including the Reserve Bank. It's really important that the information is available to understand how strong those entities are and, in particular, whether there are any risks, because the risk of failure in these instances is significant indeed. In fact, if there were a failure of one of these settlement entities, it could be catastrophic. So it's really important, and this bill does it well, to strike the balance between the ability to gather and use that information, but at the same time protect it, because that information is sensitive at a number of levels, as all financial information is. 