So it's vitally important. And, as with any regulatory regime, it is important that it keeps pace with technology and the reality of how our money systems have evolved over time. In this area, as in so many other areas of regulation, New Zealand needs to strive to keep up with best practice, to allow for innovation but also to protect from risk. In this area we are doing a bit of catch up with the rest of the world. In doing that catch up, as contributions throughout this debate have acknowledged, we do need to note that we are interdependent here. We can regulate our own financial system in our little corner of the world as well as we like but we are ultimately very dependent on what is happening elsewhere in the world, and there are various aspects of this regime that highlight that reality. I do think that it's important that we note this for the House.