Finally, I wanted to talk a little bit about the contingency plans that appear in clause 48 of this Act, because they are very interesting. They're really about, again, proactivity. They're about FMIs actually coming up with their own contingency plan in the first instance, and being expected to assert what to do when things go wrong. So there is this layer of actually building in a maturity in those systems, which means that those involved in them are really thinking ahead and thinking about how to manage those crises in the first instance. If all else fails, the State isn't walking away from its responsibility, because it's also recognising that these things are a big deal for New Zealanders, and they're big enough that we might move away from our usual roles in this situation and go to statutory management if we need to. So there's a real safety net in this legislation too, which I admire.