So this piece of legislation is largely the result of work carried out by the IMF—the International Monetary Fund—following the global financial crisis, which is now 12 years ago, which shows how long it takes for countries right around the world to accept that financial institutions need to be regulated. And, of course, now we have the work done by the Reserve Bank of New Zealand, finally culminating in this legislation presented to the House today, which National will support to the Finance and Expenditure Committee. 