Hon GRANT ROBERTSON (Minister of Finance): I think in general both the Reserve Bank and the Financial Markets Authority are forward-leaning into the organisations that they are required, on our behalf, to monitor and regulate. You know, I take the member's point, firstly that in financial market infrastructures we're dealing with a hypothetical, in a sense, because this has not occurred in New Zealand. But we were certainly given strong advice by the IMF when they came out and did their assessment that we needed regulations and laws because the significance of a failure would be so high that we actually should do this. So I think, on that point, I accept what the member's saying.