So I want to actually have a look at the object section and focus on something other than what is a very important part of it, which is this introduction of the focus on stability and public confidence, because there are some other parts of those objectives that I think are well worth mentioning. This legislation will promote and facilitate the development of fair, efficient, transparent financial markets, and that's something that we really did need to see before the GFC. That kind of transparency is so important to actually informing our consumers, it's just absolutely vital in an area where many of us are struggling to even understand a derivative. So it's extremely important that we have put in place a regime that starts to see those things as what they are, and actually the vulnerabilities people have, and regulate accordingly. 