The second area that was of crucial consideration is this issue of how we make sure that the financial market infrastructures are resilient and crisis-proof. That is that when something goes wrong, it doesn't bring the whole New Zealand financial system down with it. I think that underscores why it is prudent and appropriate that the Government regulate in this area, because if these financial settlements are put at risk or aren't occurring, we need to have some sort of backup. We need to have contingency plans for not only dealing with operational mechanical failures but also dealing with financial failures. So this bill requires entities to have those provisions in place.