Now, we've already heard that National is supporting this Financial Market Infrastructures Bill. I think, to some extent, there's been a lot of canvassing of what it means. I thought, for many people listening in, there are a lot of acronyms, there's a lot of terminology being used in this bill. I thought it might be useful to just spend a couple of minutes trying to put into layman's terms what this bill is actually trying to achieve. Essentially, we have—and have for quite some time—had alternative mechanisms, financial instruments, called derivatives, and the like, which financiers have used to buttress and to help with their trading of different financial instruments in the market. The derivatives act in a way that they disaggregate the risk and returns and actually help manage it.