A very good example of that was, of course, the GFC. Now, the financial market infrastructures (FMIs), which many of the previous speakers have discussed, defined—no FMIs actually failed during the GFC. But you will have heard one of the previous speakers, Andrew Bayly, talking about derivatives, which are a type of FMI. It's the derivatives market that did fail. Just to simplify that somewhat so that people understand why you do need some regulation around that—again, one of the previous speakers, Mr Seymour, said, "Well, don't think that the people who are involved in the financial market are a dodgy lot." Well, they're not necessarily a dodgy lot; they're an entrepreneurial lot and they're a very clever lot, and they'll also push the limits. Their job is to find new products that everyone can make some money out of. The world is awash with them.