It is true that these pieces of infrastructure are things that people find it hard to understand are even there. We have used the example repeatedly of EFTPOS, and EFTPOS is the one that we understand. But there are so many parts of the infrastructure that we're vulnerable to because we don't understand, and it's very, very nice to know that somebody who understands a derivative will be looking at this and will be making sure that those parts of the structure that, actually, we rely on, like clearinghouses, like netting—these kinds of things—will be in the hands of people who understand them. They will be watchful and we will not be as insecure as perhaps we have been in the past as these things have developed. 