But it's also fair to say that for many people, including myself, the technical aspects of this bill have been somewhat beyond even a chartered accountant and lapsed banker. The importance, then, of officials who are advising the committee and able to articulate to the previous Parliament's committee in plain English the very, very complex technical aspects of this is absolutely vital, and I think it speaks to the quality of the public sector that we have in this country that we are able to rely on them to the degree that we have. So I want to commend them, together with the submitters who have also helped us make improvements to the bill. 